Find The Right Home Insurance Policy
Our licensed agents will help you find the best coverage
at the most affordable price.
Do I Need Homeowner Insurance?
Homeowner’s insurance (commonly known as hazard insurance) provides the financial resources you’ll need if your home is damaged or destroyed. It is required if you carry a mortgage on the home. Knowing how much you’re going to require or need isn’t always simple as there are many coverage line items.
In many cases, shopping around for homeowner’s insurance plans results in more questions than answers. Let us compare rates and coverage from the largest carriers in the nation to help answer your questions immediately. We will make sure you understand your coverage options while securing the most competitive price.
what does homeowner insurance cover?
The following coverages make up the most common Homeowner Insurance policies:
- Dwelling
- Other structures
- Personal property
- Loss of Use
- Liability
You may also be able to purchase additional coverages for greater protection. Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it’s important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance. You may be able to purchase separate insurance policies to help protect your home and belongings against those types of risks.
How much does homeowner insurance cost?
Homeowner Insurance Rates
The costs of homeowners insurance depend on a number of factors, including the coverages you select, features of your home and the value of your personal belongings. There may also be extra costs for additional coverage or increased coverage limits. A licensed agent can help you choose the coverages that fit your needs and also help determine if you are eligible for any policy discounts.
Discounts
There are many ways you can save on home insurance such as:
- Burglar Alarm
- Claim Free
- Utility Upgrades
- Bundling with Auto Insurance