Home Insurance Request a Quote Your Home Is Important, Make Sure It’s Protected You have to ask yourself…What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?These questions are crucial to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:Your representative took the time to make sure you have the right protectionYour insurance carrier has your back What is Home Insurance for? Home insurance covers the hazards that most homeowners face. 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 hailDog bite liability Manufactured home coverageTrampoline or swimming pool liability insuranceWind damageSinkholesFlood damageSewer or septic backupsReplacement cost for personal propertyWhen you see 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. Little-known facts about Homeowners Insurance There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:Most policies will not cover sewer backup, unless you purchase a special endorsementDamages caused by surface water or water that flows below the surface of the ground aren’t usually coveredA standard homeowners policy typically does not include Flood InsuranceA standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policyMany 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. 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. Who needs to insure their homes Frame housesCBS homes (Concrete Block Structure)Manufactured homesMobile homes on acreageCondosTownhousesSecondary homesHomes you rent to othersSeasonal resident homes Why We're Different While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.Contact us today, and we'll help you protect what matters most. Request a Quote Name Email Address Phone Additional Info Thank you! Oops!