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Homeowners

Insurance

YOUR HOME IS IMPORTANT, MAKE SURE IT’S PROTECTED

You have to ask yourself...

What would happen if a disaster struck your home tomorrow? Are you confident you're properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you'll feel less pressure knowing:

Your representative took the time to make sure you have the right protection

Your insurance carrier has your back

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face.

When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible.

You could also potentially need insurance to protect you from having to pay for:

Storm damage, fire, windstorm, lightning, and hail
Dog bite liability
Manufactured home coverage
Trampoline or swimming pool liability insurance
Wind damage
Sinkholes
Flood damage
Sewer or septic backups
Replacement cost for personal property
Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

Little-Known Facts About Homeowners Insurance

There are many things about insuring a home that most consumers aren't aware of. We are here to make sure you avoid potential problem areas, including:

Most policies will not cover sewer backup, unless you purchase a special endorsement.
Damages caused by surface water or water that flows below the surface of the ground aren't usually covered.
A standard homeowners policy typically does not include Flood Insurance.
A standard homeowners policy only covers jewelry up to set limits if the loss resulted from one of the perils named on the policy.
Many policies default to actual cash value — meaning depreciated value, not replacement cost.

IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

Who Needs to Insure Their Homes

Frame houses
CBS homes (Concrete Block Structure)
Manufactured homes
Mobile homes on acreage
Condos
Townhouses
Secondary homes
Homes you rent to others
Seasonal resident homes

Why we're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there's no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Why Choose Us?

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