Homeowners’ Insurance

Homeowners Insurance Protects Your Biggest Investment

The most comprehensive homeowners’ insurance policy is a package policy designed to do three things. First to provide financial protection if your home is damaged, second to provide replacement or repair of the possessions in your home if they are damaged or stolen, and finally to protect you against legal liability from accidents that happen in your home or on your property.

A typical homeowners’ insurance policy usually has some coverage exceptions. The most significant exceptions are damage caused by floods, earthquakes, and neglect or poor maintenance. Coverage for flood or earthquake damage requires you to purchase two separate policies one for floods and one for earthquakes. Damage caused by maintenance-related problems are the homeowners’ financial responsibility.

It’s essential to fully understand your homeowners’ insurance policy—its coverage, its conditions, and its exclusions.

Bundling Home And Auto Insurance Saves You Time And Money

We often recommend that our customers bundle home and auto insurance together with one carrier. If you are a homeowner and have a car, here are some reasons why you should bundle your policies:

  • Save Money. When you combine more than one insurance policy, such as your home and auto insurance, you can save money with a multi-policy discounted rate.
  • Save Time and Effort. Your time is valuable. By keeping your home and auto insurance policies on with one insurance agency, you’ll be able to manage both policies quickly and easily. You will also save time and effort with one annual renewal for both home and auto policies. When it’s time to renew, your auto and home insurance will both renew simultaneously, simplifying the process.
  • Improved Policy and Risk Management. Combining your home and auto policies allows your insurance agent to have a more holistic view of your insurance needs. They can make coverage recommendations to help improve your risk management. They can also help you manage premium costs and make sure your policy limits are adequate to provide you with proper financial protection.

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Insurance policies cannot be put into effect or changed unless confirmed by an agent first. If you are requesting a policy change or cancellation an agent will contact you.

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