Homeowners Insurance Information
What is Homeowners insurance?
A home without insurance is a house without a roof. No one prays for disaster but should it strike, no one wants to feel helpless. Home Owners Insurance is your help in the time of disaster. The coverage oversees damage to your property, robbery, even medical payments if a guest is injured in your home. Think of it as the hospitality package for those who are guests in your home, and your protection plan for the happenings of nature beyond your control. It makes sense to have a roof over your home the same way it makes sense to have a Home Owner’s Insurance.
It is our educated guess that your home is one of your largest investments. As your insurance agency, we will be engaged in dialogue with your insurance company to make sure your investment is protected.
We also offer Flood Insurance, which is a separate from your Home Owner Insurance.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.