Home Insurance Basics

Likely your Largest Investment, Ensure you have Sufficient Coverage and get it At the Best Price

Rain, wind, fire, hail, theft, vandalism and water damage can all wreak havoc on your home.  Protect against damage to your home with affordable home insurance.  Get Covered!

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Coverage

What Does a Typical Home Insurance Policy Cover?

Dwelling

The home itself from foundation to roof.Coverage should equal what it would cost to rebuild the structure.

Additional Living Expenses

Covers additional costs if you are forced to live and eat somewhere else while repairs are being made at your home.

Other Structures

Detached outbuildings, fences, pools and yes even your mailbox! Personal property- furniture, electronics, kitchenware damaged or stolen.

Personal liability

Your dog bites a neighbor, someone slips and falls on your sidewalk other injuries for which you might be sued.
Types of Homeowner's Policies

Types of Home Insurance Policies

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Homeowner Insurance
Renter’s Insurance
Condo Insurance
Mobile Home Insurance
Protect Your Home
Protection for what is most people’s most valuable possession. Real home insurance covers the dwelling, any out-buildings or structures your personal possessions and provides liability and medical payments for people injured on your property. Most affordable home insurance can also provide living expenses while repairs are made.
Protect Your Rental Home
the landlord should carry insurance on the structure but you need to protect your “stuff.” This policy will do that plus it can also provide liability and medical payments to those injured while in your home. Lowest home insurance and renters rates are available.
Protect Your Condo
Somewhat unique because though you own your unit, the building is held in common with others so this policy will takes care of your interior, your possessions and any damage caused by something originating in your unit but which damages another’s property as well as liability and injury. Online homeowner’s insurance quotes can also be obtained for Condos.
Protect Your Mobile Home
Much like a homeowners policy though in a mobile home community you may not own the ground on which the unit sits. It covers the structure, your possessions and provides liability protection as well. Not always required but frequently requested by the site owner. Home cover insurance for your manufactured home.

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How to Save on Your Home Insurance

Annual Homeowner’s Insurance Review, Don’t Pay Too Much!

known as bundling this savings is achieved when you have both your home and auto policies with the same company. Your savings can be up to 20%.
Some companies offer claim free discounts if no claims have been filed for a specified time period.
A plan that carries a high deductible before the insurance begins to pay sometimes called a catastrophic health plan since it is not activated until expenses reach a pre-set point. Useful for young, healthy individuals who wish to save on premiums but want some protection in case of unexpected illness or accident. First dollar paid by insurance company only when deductible amount is met.
Got a fire and burglar alarm, deadbolts or storm resistant roofing? See if your insurer offers a discount?
Some companies offer discounts to customers who have had policies with them for designated lengths of time.
Buying your first home or insuring a new one? Check out the possibility of a discount for that.