Home Insurance

Your Home Is Important, Make Sure It’s Protected

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages or a total loss? Would you be required to pay some or all the repairs out of pocket?

These questions are crucial to address, because you can’t get insurance after disaster strikes—and that can happen at anytime.

More importantly, when you're facing a crisis, you’ll feel less pressure knowing when you purchased your coverage:

We explained your coverage options so you could make an informed decision, which helped you select the right insurance protection for you 

           

           

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face—everything from fire to theft, to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

Some of the exposures You need Home insurance to protect you from :

  • Storm damage, fire, windstorm, lightning and hail, to name a few.
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sewer or septic backups
  • Replacement cost for personal property

When you have a relationship an independent insurance agent like us, you have the chance to explore all your options for insurance, and protect the things that are most important to you.

Little known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to help you avoid potential problem areas, some of the coverage options available :

  • Sewer back-up coverage is an important low cost endorsement ...........unless d
  • A standard Homeowners policy does not include Flood Insurance
  • Optional jewelry and other valuables coverage
  • Replacement cost on contents optional endorsement
  • Equipment Breakdown endorsement
  • Identity Theft endorsement
  • Foundation coverage endorsement 
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

Who Needs to Insure Their Homes?

  • Single Family Homes
  • Manufactured homes
  • Mobile homes 
  • Condos
  • Townhouses
  • Second homes
  • Homes you rent to others
  • Apartment Homes
  • Your Home that you rent

Why We're Different

You may think you want the cheapest insurance you can find, but please realize you may not be getting everything you bargained for…

While most insurance products are similar, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your home.

We’re your neighbors. We protect property and the people are clients care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Let the professionals at our agency help you forge a strong shield to protect the things you are working hard to build.

Request A Home Insurance Quote