Home Insurance

Your home can be your most valuable asset, and not just monetarily. It’s where families grow and memories are made. For many, a home can be one of your biggest financial investments so it’s important to safeguard it. Getting home insurance makes you a smart investor in your own assets. The cost of replacing your valuables or even your entire house could be high. Having the right amount of coverage is essential to protecting your family and belongings.

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

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

1. Your representative took the time to make sure you have the right protection
2. Your insurance carrier has your back

Home insurance covers the hazards that most homeowners face. 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.

You could also potentially need insurance to protect you from having to pay for:

• Storm damage, fire, windstorm, lightning, and hail
• Dog bite liability
• Trampoline or swimming pool liability insurance
• Wind damage
• Sewer or septic backups
• Replacement cost for personal property

When you see 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.

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

• Most policies will not cover sewer backup, unless you purchase a special endorsement
• Damages caused by surface water or water that flows below the surface of the ground aren’t covered
• A standard homeowners policy does not include Flood Insurance
• Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
• IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we'll help you protect what matters most.