WHAT IS IT?
Protection for the unexpected
Homeowners insurance provides financial protection against accidents and disasters. As a homeowner, insurance helps you protect your family, your well-being and one of your largest investments.
A standard homeowner’s policy covers the home itself and everything within it. Most homeowners insurance forms a package policy that protects physical property damage as well as liability or legal responsibility for any injuries or property damage caused by you or members of your family to others.
Other Plans to Consider
While homeowners insurance is meant to cover unexpected damage, separate policies, such as Flood insurance, are required for natural disasters. Homeowners insurance does not cover routine maintenance.
WHAT DOES IT COVER?
Why consider homeowners insurance?
- Fires and Natural Disasters
If your home is destroyed by fire or natural disaster, homeowners insurance will assist you in repairing or rebuilding your home.
- Injuries and Medical Coverages
If a guest in your home is injured, liability protection and medical coverage help to cover expenses.
- Theft and Damages
If your home is burgled or vandalized, your homeowner’s policy will reimburse for losses or pay for repairs.
- Other Situations
If you are still paying for your home, your lender will require insurance.
TALK TO AN AGENT
Our knowledgeable agents can walk you through the process of finding the right policy for you. He/she will go over these points and more to ensure you are equipped to make the right decision for your home.
How much will it cost to rebuild your house and replace my belongings if they are damaged or destroyed?
Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.
What discounts may be available?
You may qualify for options such as multiple policies, security system and fire resistance discounts.
What is the process of filing and settling a claim?
Our agents will make sure you know who to call and what happens after you file the claim.