As an independent insurance agent, I can get you the best coverage for your home. Your home is not only one of the most valuable assets you own, it is also the center of you and your family’s life and where you create lifelong memories.
Helping you protect your home is important to us. We will search high and low to find you the best homeowners coverage so you can rest assured that your home and its contents are protected if anything should happen.
Simply put, yes! Homeowners insurance is there to repair, replace or recover the value of what you currently have (under coverage) if it is damaged. The time to think about an unexpected disaster or accident is now. If a sudden windstorm sends branches through your house, or the hot water heater valve explodes and floods your home, your homeowners insurance will cover you.
Homeowners insurance will protect you against losses you can’t afford. Would you be able to rebuild your home if it was hit by a disaster? Few of us would have the financial resources!
One side of coverage is property damage. The other side is liability insurance and will make sure you are protected if someone is injured or harmed while on your property. For example, if you have a clumsy friend who visits and breaks a leg on the stairs, liability insurance comes into play.
And if you are looking to get a mortgage, buying home insurance is usually required.
There are five important categories covered by the typical homeowners insurance policy: dwelling coverage, personal property coverage, loss of use coverage, personal liability coverage and medical expenses.
So if an unforeseen electrical fire were to damage your home. Dwelling coverage will mean that if the structure of your home becomes damaged or destroyed, the cost of repairs are covered.
Additionally, other structures like fences and detached garages can be covered as well. Usually, this coverage is 10% of whatever your dwelling limit is, but this can be increased should you need more coverage in your unique-to-you policy.
Personal property coverage will cover losses from the fire like your entire wardrobe, heirloom furniture, or your family’s smartphones. You may want to add additional coverage for some important valuables – we’re here to help walk you through that, too.
And while your house is being repaired from the fire and you and your family have taken up residence at a hotel, loss of use coverage will mean that your hotel bill is covered!
Next, imagine a neighbor trips and falls on your walkway. They have medical expenses as a result and want to sue you over that loose step. Personal liability coverage can protect your assets, and provides you legal defense against a lawsuit.
Medical expenses of your neighbor can also be covered. While medical expenses can cover anyone who is injured on the property, this excludes the health care costs of you or your family.
Maybe you’ve been a homeowner before, or you have just purchased your first home. Whatever the case, I am here to help you find the best-fitting homeowners insurance policy for you and your family.
Let us do the shopping around for you and save you the hassle! We’re confident we can offer you peace of mind with a unique-to-you policy. Not only that, we will cut out the jargon and clarify the fine print so you know exactly what you’re getting.