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Your home is perhaps your most valuable possession. We work with insurers who have been in the business for decades, and will be there in the event disaster strikes and your home is damaged. Plus, get competitive rates with our multi-line insurance discounts.
So much of what us is important to us has its foundation at home. Homeowner’s insurance is designed to protect your biggest asset from disasters such as fire, water damage, burglary, windstorm, theft, vandalism, and malicious damage. Homeowner’s policies may also include liability coverage for injuries caused by accidents that occur within your home.
So whether you’re a first-time home buyer or a current homeowner, home insurance is a must, and is typically required by law.
Most policies cover damage resulting from fire, wind, hail, and water damage (unless exculded in your policy).
Items like furniture, appliances, clothing and more is often covered by a home policy when destryoyed by forces included in “damaged property.” If you have specific items you want to ensure are covered be sure to talk with your insurance agent about them.
A home policy often covers jewelry loss between $500 and $2000. You may want to consider more coverage in order to fully cover your jewelry collection.
Items like furniture, appliances, clothing and more is often covered by a home policy when destryoyed by forces included in “damaged property.” If you have specific items you want to ensure are covered be sure to talk with your insurance agent about them.
A home policy often covers jewelry loss between $500 and $2000. You may want to consider more coverage in order to fully cover your jewelry collection. It may also help cover medical bills if someone gets injured on your property.
It is common for these following items to not be included in your standard homeowners policy. Depending on your risk you may be able to customize your homeowner’s policy to get the coverage you need.
Risk:
You return from picking up your kids from school to find that your house has been broken into and all your televisions have been stolen.
Coverage:
If your items are stolen, damaged or destroyed in an insured loss, your policy can help replace them depending on your policy’s stated limits.
Risk:
Your sweet cat was a little too frisky and knocked over a lit candle in your bedroom. You catch it before your whole room goes up in flames but two walls and the carpet are damaged by the flames.
Coverage:
Property coverage in your homeowner’s policy can help if your home is damaged by fire and/or smoke.
Risk:
A guest at your child’s pool party slips and falls and breaks their leg on your back patio.
Coverage:
Medical payments coverage can cover the medical costs if a guest is hurt on your property.
Risk:
Luckily you and your family were out of town when a tornado tore through your neighborhood. Your home is damaged by the tornado and is no longer in livable condition.
Coverage:
Coverage for tornado damage and additional living expenses while your home is repaired can be covered by your policy.
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