Homeowners Insurance
Whether you're a first time homeowner or not, knowing what homeowners insurance covers and what to expect to pay for that coverage can seem complicated. Let us help you find the coverage that meets your individual needs at a price you can afford. Together we can do this in just a quick phone call, email, or text.
Watch the brief video above The I's on Insurance: The Claim Game, Homeowners, for a helpful introduction that will take some of the stress out of filing a claim in the event that your house is damaged or burglarized.
*Information and video provided by the Insurance Information Institute
HOMEOWNERS INSURANCE AT A GLANCE
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Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
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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.
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Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility. As a homeowner, you know to expect the unexpected to happen. And when it does, knowing what to do when you file a homeowners insurance claim will help you get the best value from your coverage.