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.

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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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