Homeowners Insurance

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. 

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters when it comes to the home itself, and the property. These perils can come at any time, or any place, without regard to warning. You always want to make sure not only your home, but the personal property in it is covered at the level you need it to be. Especially, when it comes to those irreplaceable items. 

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered, but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and sometimes earthquake coverage. Unless, the home is eligible for an endorsement that may be added to your current policy. Maintenance-related problems are the homeowners' responsibility when it comes to inside the home. Though, if there is damage to the outside of the structure by a covered peril then you would be eligible for coverage from your insurance company. 

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments. You've put a lot of work into your home, and we want to make sure that if something does happen you're getting the full value of everything you've worked towards. Don't let yourself run the risk of not being insured.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask us about what is covered and if you have any additional questions we are more than happy to answer them, so that you get the clarity, and peace of mind you need to know you're in the right hands. 

Know That We've Got Your Back

Here are few things you can discuss with us.

• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask about your home's features and the things you own so you can make an informed decision about coverage.)
• What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
• What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 
• Do I have the right coverages for what I have?