Your home is more than a house. It’s a haven. It’s your happy place. It’s your family history and your future. It protects the people whom you love and the things that you value. Homeowner’s insurance, then, is more than insurance: it’s your home’s secure foundation.
When your home is damaged, homeowner’s insurance provides coverage. It protects you in the event that a guest is harmed on your property, and it even covers detached structures on your property, like fences and sheds.
We know that your needs may not be the same as your neighbors’ needs; that’s why we take the time to develop a relationship with our clients. Getting to know you helps us understand your situation. Understanding your situation helps us customize a comprehensive risk management program that’s puts your home on firm footing.
What you need to know about homeowner’s insurance:
Replacement cost value. Knowing what it would cost to rebuild your home today under current building codes helps determine your insurance needs. You’ll want your home to be insured for at least the replacement cost value. Though there is usually a deductible, once the amount you’re responsible for is paid, the policy will pay out as well.
Personal property coverage. Your comprehensive homeowner’s insurance should automatically provide a separate amount to cover the loss of your personal belongings after your deductible is paid. Organizing a home inventory will smooth the claims process and make it much easier to document your losses.
Personal liability coverage. You are legally responsible if a guest is injured on your property. Personal liability coverage protects you in such an event. Because accidents can’t be avoided, personal liability coverage is an invaluable part of your insurance coverage.
Detached structure coverage. Detached structures, such as sheds, garages, or fences, are protected by basic coverage; however, there are limits on the amount of coverage available. Limits on these structures are often determined by the amount of coverage for the home itself.
Loss of use. In some cases, homes become uninhabitable. To maintain your standard of living, loss of use coverage provides valuable benefits such as additional living expenses.
Your home is more than a house, and we’re more than just insurance providers. Our homeowner’s insurance experts take the time to get to know you and your circumstances in order to custom create an insurance portfolio that meets all of your unique needs.
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