Home Insurance
Your home is important, make sure it’s protected. What would happen if a disaster struck your home tomorrow? Are you confident you are properly covered for damages or a total loss? Would you be required to pay out of pocket for some or all the repairs? Would you be able to cover the cost of temporary living?
HOME INSURANCE
Your home is important, make sure it’s protected. What would happen if a disaster struck your home tomorrow? Are you confident you are properly covered for damages or a total loss? Would you be required to pay out of pocket for some or all the repairs? Would you be able to cover the cost of temporary living?
Home Insurance
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 will be paid for the expenses minus any 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 could be held responsible. Liability coverage is there to help protect you.
A few examples of potential hazards you may face include:
- Storm damage, fire, windstorm, lightning and hail
- Dog bites
- Trampoline or swimming pool liability insurance
- Earthquakes
- Sinkholes
- Flood damage
- Sewer or septic backups
- Service line damage
- Equipment breakdown
When you work with an independent insurance agency like us, you have the chance to explore all your options for insurance to help protect the things that are most important to you. We will work to find a solution that fits your unique situation and to reduce or eliminate gaps in your coverage.
Who needs to insure their homes?
It isn’t just free-standing homes in the suburbs that need insurance. All homes need insurance protection. This includes manufactured homes, condos and townhouses, rental property and seasonal homes.
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 help 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 and only if the loss resulted from one of the perils named on the policy
IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
Call 800-719-6500 or complete the form below to speak with an AssuredCHOICE agent to learn more. Or, to schedule an appointment with one of our trusted agents CLICK HERE.
