Homeowner's Insurance

Why do you need homeowners insurance?

• 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 really all about protecting yourself financially if something unexpected happens to your home or possessions That’s important because chances are your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world.

If your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for:

• Having a burglar alarm
• Having a newer home
• Being claim free in the past
• Insuring your vehicles with the same company

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant exclusions are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage.

It is important to know that homeowners insurance is meant to cover unexpected damage, not Maintenance-related problems which are the homeowners' responsibility. Be sure to read your policy so you know exactly what’s included and what is not.

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