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.
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: