_JPG.jpg){kind=small}
HOME INSURANCE
Why you need homeowners insurance
​
Buying homeowners insurance isn’t required by law, but if you have a mortgage, your lender will likely require you to insure the home so it can protect its investment.
Even if you don’t have a mortgage, homeowners insurance is almost always a wise purchase that can safeguard your finances in a variety of ways.
​
Here are the main functions of home insurance:
​
Repair your home, yard and other structures:
If your home were leveled by a severe storm or burned to the ground, could you afford to rebuild out of pocket? Homeowners insurance helps cover reconstruction to restore your place and property to its former glory.
​
Repair or replace personal belongings:
Many policies cover your belongings not only inside the home, but also on the go. So whether your furniture is destroyed in a fire or your wedding ring goes missing from a hotel nightstand, your coverage can help repair or replace them.
​
Cover personal liability issues:
If a guest trips and falls on your walkway and sues you, your dog bites a visitor, or you accidentally hurt someone away from home, homeowners insurance can help cover others’ injuries and your legal costs.
​
Why you need homeowners insurance
​
Buying homeowners insurance isn’t required by law, but if you have a mortgage, your lender will likely require you to insure the home so it can protect its investment.
Even if you don’t have a mortgage, homeowners insurance is almost always a wise purchase that can safeguard your finances in a variety of ways.
​
Here are the main functions of home insurance:
​
Repair your home, yard and other structures:
If your home were leveled by a severe storm or burned to the ground, could you afford to rebuild out of pocket? Homeowners insurance helps cover reconstruction to restore your place and property to its former glory.
​
Repair or replace personal belongings:
Many policies cover your belongings not only inside the home, but also on the go. So whether your furniture is destroyed in a fire or your wedding ring goes missing from a hotel nightstand, your coverage can help repair or replace them.
​
Cover personal liability issues:
If a guest trips and falls on your walkway and sues you, your dog bites a visitor, or you accidentally hurt someone away from home, homeowners insurance can help cover others’ injuries and your legal costs.
​
Basic parts of a homeowners insurance policy
​
A homeowners policy is made up of several distinct coverages — some that are included
automatically and others that you can choose to add.
​
Standard Home Insurance Coverage
Dwelling coverage:
Helps protect the physical structure of your home, like the walls, roof and any attached decks or garages.
Other structures coverage:
Covers stand-alone structures on your property, such as a fence, carport or toolshed.
​
Personal property coverage:
Pays to repair or replace belongings that are stolen or damaged in a covered loss — everything from your living room furniture, bathroom curtains, and your kitchen dishes.
​
Liability coverage:
Pays out if you’re found responsible for others’ injuries or damage to someone else's property.
​
Medical payments coverage:
Covers injury treatment costs for guests who get hurt on your property, or individuals you or your family members accidentally injure around your property. This coverage kicks in regardless of who’s at fault.
Extra Coverage (Endorsements)
If you want more coverage than the policy offers, you might be able to add an endorsement to your policy for a higher premium.
Some of the most common endorsements expand or increase coverage for jewelry, fine arts, or camera equipment. Other common endorsements provide coverage for damage originally excluded by the policy.
The following are common endorsements you can consider adding to your policy:
-
Backup of sewers or drains. Pays for damage caused by sewer or drain backup.
-
Damage to foundation or slabs. Pays to repair a foundation or slab caused by water damage up to certain limits.
-
Extended or additional dwelling replacement coverage. Pays up to a certain amount if your policy doesn't pay enough to rebuild your home.
-
Law or ordinance coverage. Pays if repair costs are higher because of local building codes or ordinances.
-
Mold remediation. Pays for mold remediation up to a certain amount.
-
Replacement cost-dwelling. Pays replacement cost after you repair or replace your property.
-
Replacement cost-personal property. Pays replacement cost after you repair or replace your property.
New Roof Savings:
A new roof can save you money on your homeowners insurance.
Multi-policy discount:
Insuring your home and car together could help you save up to 25% on your home policy.
Early signing discount:
You can save when you switch to some insurance companies and sign your policy a week before your old policy expires.
Home buyer discount:
Get a discount if you just bought a home and save even more if your home is newly constructed.
Safe home discount:
Save up to 5% if your home has protective devices such as a smoke detector, security system, or sprinklers.
​
REQUEST A QUOTE!
LOCATION & HOURS
Location
Hours
Monday - Friday
9:00 am to 5:30 pm
​
Saturday & Sunday
By Appointment only
​
​