Home Owner Insurance

Why do I need homeowners insurance?


For most of us, our home is the single biggest asset we will invest in. Homeowners insurance provides coverage for your personal belongings, coverage for damages to the structure of your property, and liability coverage which pays for bodily injuries and property damage to other people if you are liable.

Types of coverage

Whether you own a house or condo, or you rent, there are many insurance programs to protect you, your home, and your belongings.

For Your Personal Belongings…

What would it cost to replace the contents or personal belongings of my home?
Is there coverage to repair and/or replace the appliances in my home?
Do I need to take an inventory and photographs of my belongings?
How do I protect my identity?

For You and Your Guests…

What kind of protection do I need against liability claims?
Will my guest’s medical expenses be covered if they’re accidentally injured on my property?

For Your Additional Coverages…

Do I need Earthquake insurance?
Should I get Flood insurance?
Do I need Personal Liability Umbrella coverage?
How can I make sure there is adequate coverage for my valuables (jewelry, silverware, furs)?
How much should my deductible be?
Will I be reimbursed for additional living expenses if I cannot live in my home due to a covered loss?

If any of the questions listed above pertain to your particular situation or if you have other questions about what type or amount of homeowners coverage you should carry please contact one of our preferred partners today for a free insurance quote.

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