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Homeowners Insurance


Homeowners Insurance Quote Forms

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Homeowners Insurance Information

Because every situation is different, it is best to consult your agent to help you decide your needs and find the insurance policy that is right for you.

Now that you have a home of your own, you should protect it and yourself against the what-ifs of tomorrow

What is Homeowner's Insurance?


Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Most damage caused by natural disasters is covered with a few exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy a separate policy for flood insurance.  Earthquake insurance can be added to most existing homeowner's policies.  Keeping your home clean, safe, and maintained is your job.

Why do I need Homeowner's Insurance?


It is really all about protecting yourself financially if something unexpected happens to your home or possessions. Chances are your home is your largest investment.

 

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need help to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to Consider and Questions to Ask Your Agent



 

Here are few things to discuss with your agent that will guide your decisions.

 

  • Protect your family will homeowner's insurance todayHow much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and on time?
  • What discounts are available?
  • What's the process for filing and settling a claim?
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