Home Insurance is important, for most Americans, their home is their largest single investment. Beyond being a dwelling place, it is also a place where lives are molded and impressions are made.
Prepare now with home insurance
Plan for the unexpected. Get homeowners insurance to help pay for repairs, replacement costs and extra living expenses if something happens to your home. Fire, wind, hail, lightning, theft—you’re covered. You’ll just have to pay your deductible, and your homeowners insurance policy takes care of the rest.
Most standard homeowners insurance policies include four essential types of coverage:
- Coverage for the structure of your home
- Coverage for your personal belongings
- Liability protection
- Additional living expenses if you are temporarily unable to live in your home because of an insured disaster
Did you know that as a homeowner you should have coverage for at least 80% of the replacement cost. That’s right 80%. This makes sure that if an unfortunate event did happen you aren’t left out in the cold. Different Homeowner policy types cover different percentages in specific categories. One example might be how much liability protection you have on the policy. An H0-3 carries different coverages than an H0-7.
Your homeowners policy can also cover hotel stays, and sometimes even lost wages if you experience a situation where the home is uninhabitable. We are experts and we can guide you through all the in’s and out’s and up’s and down’s of purchasing a great policy for your family needs.