Homeowners Insurance

Any piece of property is worth something to you, probably none more so than your home. Your house is probably one of the biggest purchases you will ever make, and it is not invincible. Homeowners insurance is designed to protect you from the costly ramifications of hazards like fires, severe weather, theft or lawsuits. It can pay for these costs so that you never have to worry about how to afford the costs of a problem that you didn’t expect.

Think about how much you saved and how hard you worked to build or buy your home. Think about the security it provides you and your family, and how safe you feel inside of it. This feeling of security is something you cherish, and something that homeowners insurance can only enhance. By filing a claim on your policy, you will be able to afford the costs of any number of household accidents without putting your personal money on the line.

Homeowners insurance can be customized to meet the coverage needs of any property, including high-value homes, condos, mobile homes and rental properties. Just a few of the essential benefits that most policies will offer include:

Structure Protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.

Detached Structures Coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.

Possessions Insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.

Liability Coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.

Additional Living Expense Protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.

You can further enhance your benefits with additional benefits like:

• Scheduled items riders
• Replacement cost value possessions coverage
• Umbrella liability insurance
• Flood insurance
• Earthquake and windstorm endorsements
• Pet liability insurance

Various factors can influence the cost of your homeowners insurance, including:
• Your property value
• The location of your home
• Security features within the home
• Your credit score
• Whether you have a pet in the home
• The policy limits, deductibles and endorsements within your plan

Everyone deserves the perk of affordable homeowners insurance, which is why our agents are committed to helping you receive the best value for your chosen benefits. We’ll compare the policy options offered by our network of trusted carriers to find the one that always offers you the best combination of both coverage and cost.

If you plan to finance your home, then your lender will likely require you to buy homeowners insurance, and you usually must pay your first year’s full insurance premium at the time of closing.