Homeowners Insurance
Why Homeowners?
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. No two homes are alike. We will work together to design an insurance policy that fits your place.
Coverages.
Dwelling Coverage.
The portion of your policy that covers the structure of the home against covered hazards –commonly referred to as Coverage A or dwelling coverage – may be the most crucial coverage, as your home is arguably your most important asset. Dwelling
coverage protects your home against certain risks, or perils, covered by your
policy.
Liability Protection.
Liability insurance provides the insured party with protection against claims
resulting from injuries and damage to people or property.
Personal Property Coverage.
Personal property coverage is part of a property insurance policy that protects items not attached to the actual building structure, such as furniture, appliances, and clothes, against damage or loss. In the event of a covered loss, such as theft or fire, it helps pay for their replacement.
Guest Medical Protection.
Medical payments coverage is the part of a home insurance
policy that covers you if a guest is injured at your home whether you're to
blame or not.
Additional Living Expenses.
This covers the additional costs of living that are incurred by the homeowner should they be temporarily displaced from their place of residence.
Other Structures.
This part of the policy covers structures on the
residence premises separated from the dwelling by a clear space or connected to
the dwelling by a fence, utility line, or related connection. Examples include
a detached garage, tool shed, driveway, swimming pool, gazebo, or fence
New Home?
Call us today for a homeowners insurance quote and we’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
What risks does your policy cover?
It depends where you live, but standard homeowners insurance policies will typically help pay to repair damage caused by certain risks, or perils, including:
Theft, Fire and Smoke, Windstorm and Hail, Falling Objects, Frozen Plumbing, Water damage for plumbing, water heater, heating or cooling system or appliance.