Personalized Home Insurance
Homeowners insurance (home insurance), is a property insurance policy that provides coverage for a private residence. A homeowners policy typically covers losses and damages to your personal residence, as well as furnishings and certain other assets within your home. It can also offer liability coverage against certain types of accidents that occur within your home or on your property. It is important to note that most mortgage lenders require a homeowners insurance policy.
All forms of home insurance also provide additional living expenses (ALE) coverage for the extra costs of living away from home if it is uninhabitable due to damage from an insured disaster.
Home insurance can also be used for financial protection in legal circumstances. For example, if someone sues after being injured on your property, having proper home insurance limits can ensure you won’t be paying their legal fees from your pocket. With the right home insurance coverage, you feel comfortable knowing that you and your property is protected.
No matter what type of home you own, having the right homeowners insurance is your responsibility. If you live in a condominium, be aware that the condo association won’t pay for damage caused inside your unit, even from something outside of your control.
That’s why caring for your home and loved ones is critical. We offer homeowners insurance you can depend on — from dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget.
As a proud member of SIAA National Agency Alliance, we present the following carriers:
- Travelers Insurance
- Safeco Insurance
- Nationwide Insurance
- Allstate Encompass
- The Hartford
- Foremost Insurance
What is NOT Covered by Standard Homeowner’s Policy
While homeowner’s insurance covers many types of disaster-related damage, there are exceptions. For example, flood insurance and earthquake insurance are both separate types of policies, which may be desirable depending on where you live.
Poor home maintenance often contributes to disasters or accidents. Maintenance-related problems are the homeowners’ responsibility, though there are niche insurance products on the market that may be available to protect against appliance wear and tear.
We also Insure:
Get started with your home insurance by filling out our contact form below, or give us a call to speak with an experienced home insurance advisor today.
Insurances we carry: American Modern, Encompass, Liberty Mutual, Nationwide, Progressive, Travelers, SafeCo Insurance, & Stillwater.