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.
Lost Passport Coverage
While on vacation in Europe, you lose the tote bag that has everyone’s passports.
Your homeowners policy can help with the cost of replacing passports and other valuable papers.
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.
Property coverage in your policy can help if your house is damaged by fire and/or smoke.
Theft Coverage
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.
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.
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
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.
Coverage for additional living expenses can help with the extra cost of a temporary relocation caused by a covered event.
Personal Possessions Coverage
You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.
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).
A home insurance policy usually covers four kinds of incidents on the insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property.
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.
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.