HOMEOWNERS INSURANCE

    Every house needs comprehensive homeowners insurance to truly feel like home. 

Knowing that your investment, probably the biggest you’ll make in life, will be protected through unexpected calamity or misfortune adds incomparable peace-of-mind. And regardless of where your home’s located, no matter its age, size, value or type, we will customize a home insurance policy to fit your needs. Every home is as unique as the family that lives there. You need a homeowners policy that effectively protects your dwelling as well as the belongings.

UNDERSTANDING A HOMEOWNERS POLICY

Homeowners policy will typically cover these types of damage to the insured property:

• Interior damage
• Exterior damage
• Loss or damage of personal belongings
• Injuries that occur on the property

When a claim is made on one of these incidents, the homeowner will have to pay a deductible. 

A deductible is an amount not covered by your insurance. So, depending on the cost of the claim will depend on how much you’ll have to pay out of your own pocket. It should be noted that the higher the deductible on an insurance contract, the lower the monthly premium will be on your homeowner’s insurance policy. If you’d like to learn more about your monthly or yearly premium options, speak with our experienced agents today, and we’ll find a policy that’s right for you.

A standard policy will generally include six types of coverages. Those coverages are as follows:

• Dwelling this covers damages done to your home and any attached structures, for example, a porch. The typical coverage amount will be enough o rebuild your home if disaster strikes.
• Other Structures – this pertains to structures on your property that are not attached to your home, for example, if you have a free-standing garage or a shed. It also covers damage to fences.
• Liability – This type of coverage will prevent you from having to pay out-of-pocket if someone suffers an injury while at your property. Liability coverage can also cover the cost of unintentional property damage.
• Personal Property – This coverage pays to repair or replace belongings that are stolen or damaged. However, only if the damage takes place during a covered event.
• Medical Payments – This coverage type goes hand-in-hand with your liability coverage. It will cover the cost of medical expenses in the event someone suffers an injury while at your residence.
• Additional Living Expenses – If your home is severely damaged and not suitable to live in whilst getting repaired, this coverage type will help pay for temporary living expenses.

Additional coverage options include

· Landlord liability coverage

· High-value home insurance

· Scheduled personal property riders

· Flood and earthquake insurance

· Vacant home coverage

· Seasonal home insurance

· Vacation home insurance

· Personal umbrella policies

It is always important to be prepared. 

When disaster strikes, will you have sufficient coverage to help you get back to life as usual? 

Don’t wait to find out. Let us help you protect the things that matter most.

 Takes a minute to get started:

• Fill out the form, we’ll be in touch.
• Review options with an agent.
• Get the coverage you need.