Home Insurance

Your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home. Our dedicated team can help you find the right homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

 

What does a Home Policy Consist Of?

 

Home insurance, also commonly called hazard insurance or homeowner's insurance  
is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.

• If a guest in your home is injured, liability protection and medical coverage help pay expenses.

• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)

• What discounts are available? (Ask about companion policy, security system and fire resistance discounts.)

• What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)