Homeowners Insurance

Home insurance covers the hazards that most homeowners face—everything from fire to theft, a cracked foundation to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others. For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

• Storm damage, fire, windstorm, lightning and hail, to name a few.

• Dog bite liability (standard liability may not be enough if your dog bites someone or causes them to become injured, so consider your pets carefully)

• Manufactured home coverage

• Trampoline or swimming pool liability insurance

• Wind damage

• Sinkholes

• Flood damage

• Sewer or septic backups

• Replacement cost for personal property

• Umbrella liability insurance

When you work with an independent insurance agent like us, you have the chance to explore all your options for insurance, and protect the things that are most important to you.

There are many things about insuring a home that most people aren’t aware of. We are here to make sure you avoid potential problem areas, including:

• Most policies will not cover sewer back-up unless you purchase a special endorsement—it’s not expensive, but you won’t get it if you don’t ask for it
• Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
• A standard Homeowners policy typically does not include Flood Insurance
• A standard homeowner policy only covers jewelry up to set limits if the loss results from one of the perils named on the policy
• Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
• IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

• Frame houses
• CBS homes (Concrete Block Structure)
• Manufactured homes
• Mobile homes on acreage
• Condos
• Townhouses
• Secondary homes
• Homes you rent to others
• Seasonal resident homes
• Even residents that only rent should make sure they have the right kind of renters insurance in place.