Home Insurance Basics
Protect Your Investment: Get the Right Home Insurance at the Best Price!
Rain, wind, fire, hail, theft, vandalism, and water damage can all wreak havoc on your home. Protect against damage with affordable home insurance. Get covered!
What Does a Typical Home Insurance Policy Cover?
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 to your home.
Detached outbuildings, fences, pools, and yes, even your mailbox! Personal property, furniture, electronics, kitchenware damaged or stolen.
Coverage in the event your dog bites a neighbor, someone slips and falls on your sidewalk, or for other injuries for which you might be sued.
Types of Homeowner's Policies
Types of Home Insurance Policies
Mobile Home Insurance
Protection for what is likely your most valuable possession. Home insurance covers the dwelling, any out-buildings or structures, and your personal possessions. It also provides liability and medical payments for people injured on your property. The most affordable home insurance can even provide for your living expenses while repairs are being made.
Your landlord should carry insurance on the structure but you need to protect your “stuff.” Renter's insurance policy will do just that. Plus, it can also provide liability and medical payments to those injured while in your home. Get the lowest home insurance and renters rates here, with us!
Condo insurance is unique because you own your unit, but the building is held in common with others. A condo policy will take care of your interior, your possessions and any damage caused by something originating in your unit but which damages another’s property. The policy will also cover liability and injury.
Much like a homeowners policy, mobile home insurance covers the structure, your possessions and provides liability protection as well. However, it does not cover the ground on which your home sits. While mobile home insurance is not always required, it is frequently requested by the site owner.
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How to Save on Your Home Insurance
Annual Homeowner’s Insurance Review-Don’t Pay Too Much!
Known as bundling. Multi-discount savings are 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.
HDHP is a plan that carries a high deductible before the insurance begins to pay. It's sometimes called a catastrophic health plan since the policy is not activated until expenses reach a pre-set point. This policy type is useful for young, healthy individuals who wish to save on premiums but want some protection in case of unexpected illness or accident.
Do you have 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 longer periods of time.
Buying your first home or insuring a new one? Check out the possibility of a discount for that.