Your home is likely the biggest investment you’ll make in your lifetime and one of your most valuable assets (second to your health and family). And like any valuable asset, it’s worth protecting from potential damage from theft, fire, weather, and other disasters.
Most homeowners are required to have an insurance policy if they have a mortgage. The type of insurance you need, the amount of coverage, and how much you’ll pay for your plan will depend on several factors, including where you live, your deductible, and the condition of your home.
Every homeowner is unique, and fortunately, there are different types of policies to suit each individual’s needs. Here are the most common types of homeowners coverage:
There’s a lot that can happen to your home and its belongings, and the tragedies that Homeowners insurance covers typically falls under three categories:
Note: each situation is unique, and depending on the plan you select, not all of these circumstances may be covered under a basic policy.
Most basic policies won’t include the items in the list below, and it’s a good idea to assess your risk of each of these circumstances to determine if it makes sense to have additional coverage:
The peace of mind delivered from a carefully selected insurance plan is well worth the cost, and you may be pleasantly surprised at the affordability. For example, let’s say a tree on your property lands on a neighbor’s home or vehicle. The damage could run into the tens of thousands of dollars but having a basic Homeowners insurance policy will compensate your neighbor for damages sustained, and you’re saved from out-of-pocket expenses, even deductibles.
As an independent agency, we have access to multiple carriers. We do all the research and comparison shopping for you, helping you lock in the most competitive prices while getting a plan that best fits your needs. We take a data-driven approach to find the perfect policy so that you have the coverage you need without paying for the things you don’t.
Our easy, do-it-yourself quoting platform provides you with multiple quotes in minutes. Just answer some questions and after a few CLICKS, you can BIND your policy!