Home Insurance

Your home is important. It's probably the biggest investment you'll ever make. Make sure it's protected.

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?

After all, do you want to let your lender buy a policy for you? Or do you want to make your own choices in your protection?

You have to ask yourself…

These questions above are crucial to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. 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

Start Here for a Fast & Easy Home Quote

What's the correct amount of insurance for your home policy?

While it's easy to compare the amount of insurance with what you could sell your home for, it's important to remember that insurance is there to REBUILD, not purchase. So your amount of insurance would be what it costs to rebuild your home.

And because building costs increase, and sometimes decrease, most home insurance policies include a clause called Extended Replacement Cost. This can give you a padding if for some reason building costs have spiked, maybe following a wildfire or flood, and your amount of insurance is inadequate to rebuild.

It's important to review your amount of insurance from time to time, to be sure you're keeping up with the current economy. The HOME DETAIL button below will give more in-depth information to help establish a replacement cost.

Home Detail

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. Liability coverage is there to protect you.

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 or Earthquake 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, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
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 many 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. So - do you want to choose your own protection? Or let your lender choose it for you.

Contact us today, and we'll help you protect what you value most.

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