Home, for most people it could be their largest asset. More importantly it’s where you raise your family and create memories that last a lifetime.
We can help you protect this prized possession with home insurance that fits your priorities and your budget.
A standard home insurance policy insures your home’s structure (house,) and your belongings in the event of a destructive event, such as a fire.
In addition, home insurance policies are generally “package policies.” This means that the coverage includes not only damage to your property, but also your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets).
Home insurance does not cover everything, no matter what your policy limits are. For this reason, it’s a good idea to customize your policy by having additional coverages to suit your specific situation.
Some of the optional, add-on coverages are Earthquake insurance, Flood Insurance, Replacement cost plus, Other structures insurance, Personal umbrella liability insurance and many more.
Get in touch with us and we can guide you in choosing the right combination of coverages which suits your needs.
The following are reasons why you should have homeowners insurance.
Owning a home will probably be your biggest investment throughout your life. Your home will probably be your safe nest for years to come. Protecting your home with insurance will give you a sense of security.
If something happens to your home’s structure and it is under your insurer’s policy, home insurance will cover the cost to rebuild your home.
Home insurance will cover the cost of your belongings in the event of serious damage. Even if you feel like you don’t own that much or you if you don’t have many expensive belongings, small items add up quickly.
Although you would never intend for someone to get hurt on your property, accidents do happen. Protect yourself from the unexpected with home insurance.
While buying an home insurance it is important you map the coverages to different needs you have. Talk to us and we can help you select the right kind of coverages for your needs.
Fire Coverage
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
Theft Coverage
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
Medical Payments Coverage
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn fracturing his wrist when he falls against a stone retaining wall.
Additional Living Expenses Coverage
You heard the warning sirens and escaped uninjured, but you can’t live in your house while tornado damage is repaired.
Lost Passport Coverage
While on vacation in Europe, you lose the tote bag that has everyone’s passports.
Personal Possessions Coverage
You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.
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