Homeowners Insurance Information

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Homeowners Insurance that Works for You

As an independent agent, we are able to shop your policy to various carriers in order to find you the best coverage at the best rate.

Getting the proper coverage is important to every homeowner. We work with you to fully understand the coverage you need. We will make sure you understand all of the risks involved in owning a home.

A homeowners insurance policy usually covers:

  • Damage to your property.
  • Injuries and property damage you or members of your household cause to others.

When it comes to damage to your property there are various exceptions to homeowners policies that you may need to acquire different coverage for. Coverage for disasters like flood and earthquakes are often not covered in your homeowner’s policies.

Not only should the cost of rebuilding your house be covered but the belongings in your house should also be covered in case of a loss. Work with your agent to make sure the replacement cost of valuables is covered in your policy.

When it comes to saving on your home insurance policy there are a variety of ways to save without removing coverage. 

  • Packaging your home insurance and auto insurance.
  • Having an architectural roof can help you save.
  • Having security, fire safety, retaining walls, etc.

Questions for Us:

  • How much will it cost to rebuild my house and replace my belongings if they are destroyed?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? Ask about multiple policies, security systems, and fire abatement discounts.
  • What’s the process for filing and settling a claim?

Various Insurance Options for Homeowners & Property Owners

What is Homeowners Insurance About?

A general homeowners insurance policy protects your home and its contents. It will offer you protection from different natural disasters.

Homeowners insurance is a complete package. Why? Because it protects you from damage AND it also covers your liability for any damage caused by your family members to others. Yes, it even covers the damage cause by your furry cats, dogs, and other pets.

Most natural disasters are covered by your Homeowners Insurance, but there’s an exception to the rule. Because the most commons ones are floods and earthquakes, you need to buy 2 different policies for flood and earthquake coverage. As for the maintenance of the property, it is the responsibility of the homeowners.

Do you really need a Homeowners Insurance?

Yes, you need one because your home is most likely your biggest investment. This protects you and your family financially if there are any unexpected downturns, natural disasters, and anything that harms your home and its contents.

  • If your home is ravaged by fire or damaged by a natural disaster, your insurance will pay for the repairs and replacements needed.
  • If someone got injured in your house, it automatically becomes your responsibility. Thus, the insurance will cover any medical expenses you need to pay.
  • For any stolen or damaged furnishings, a homeowners insurance will pay for the repairs and it will even reimburse you for your loss.

Please note that a homeowners insurance will cover the unexpected damages. If you are doing a monthly or yearly maintenance, that is not included. Do ask your agent what is covered and what is not so that you would not be confused on the scope of the insurance.

What do you need to Ask your Agent about?

Below are the list of things you need to discuss with your agent:

  • What belongings will be covered? Will these things be covered if they are damaged or destroyed? How much will it cost to renovate my property?
  • Is the insurance company famous for settling claims honestly and swiftly?
  • Are there any discounts available when you acquire multiple insurance policies?
  • Who will you call when you need to file a claim? What is the process? What happens after you file a claim?

If you are still looking for what you need, there are a list of homeowners blogs posted right here.