No two homes are exactly alike. Different types of residences have very different types of insurance needs. Buying a policy “off the shelf” without fully considering your risks may cost you in the long run. Your homeowner’s policy should reflect the uniqueness of your home and your lifestyle.

A Homeowner’s policy can cover:

  • Damages to your home’s physical structure
  • Damages to other structures like garages or sheds
  • Your personal belongings, whether they’re in your home or elsewhere
  • Temporary living expenses in the case your house becomes uninhabitable due to a covered loss
  • Your personal liability in the event someone is injured or their property is damaged

What’s not covered with your home insurance?

  • One thing home insurance doesn’t cover is damage from catastrophes like earthquakes and floods. If you live in an area vulnerable to a disaster, ask us how you can purchase separate insurance to cover this risk. Be sure to read your policy or call your agent to learn about all exclusions that may apply.

Why does adequate coverage matter?

  • Without adequate coverage, a loss may not be totally covered by your insurance. We would discuss with you the details of your home to help calculate the replacement value. Having your home insured to 100% of its replacement value will prevent a gap in coverage.
  • For the liability portion of your insurance, be sure your limit can protect you and all your assets against a judgment that might occur. Increasing your limits is usually inexpensive and can be offset by a higher deductible. For added coverage, consider an umbrella insurance policy.

Coverage you shouldn’t go without:

  • Water & sewer back up
  • Sinkhole coverage
  • Ordinance law
  • Open peril for contents/personal property
  • Loss of use