Homeowners
Homeowners
What is homeowners insurance?
Most homeowners cannot afford to rebuild their home following a disaster. Home insurance is designed to protect your property, your personal belongings and loss of use should your home not be inhabitable due to a covered loss.
Providing insurance protection is what we do best and we're available when needed the most. We offer free homeowners insurance quotes online, select your coverage and start protect your home, contents and peace of mind today!
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Home Insurance
Homeowners Insurance coverage offers protection against specified perils for your house and personal property, including any garages, sheds or other structures which you may have.
Homeowners Insurance is usually offered as a package policy inclusive of personal property (personal belongings) and personal liability coverage. It is important to understand what homeowners insurance covers and the level of protection it offers before determining the best homeowners insurance coverage to purchase.
Coverage Details
Homeowners Insurance policies are one of your many ways of caring for your home and loved ones. Offering home insurance that you can depend on is the name of our game.
The following are the 4 primary coverage items on a homeowners package policy:
- Dwelling - Coverage that protects the structure of the home
- Other Structures - Coverage for sheds, detached garages and other structures not attached to the main dwelling
- Personal Property - Coverage for personal belongings (clothing, furniture, appliances, electronics, etc.)
- Loss of Use - Coverage for when an insured has to move out of the home while repairs are made as a result of damage caused by a covered loss
Types of Hazard Insurance
- Homeowners Insurance – Most likely one of your largest investments, your owner occupied home should be protected by a Homeowners Insurance Package Policy, commonly known as Home Insurance.
- Landlord Insurance – Whether you own one property or multiple rental properties, a Landlord Insurance Policy is the correct form to provide coverage for a tenant occupied home.
- Condo / Co-Op Insurance – The Condo Association or Homeowners Association will carry a master policy for the exterior of your unit; however, the interior, personal belongings and personal liability are the individual unit owner’s responsibility. These policies are sometimes referred to as Form HO-6 and are used for Condominium Units, Co-Op Units and Townhome Units.
- Flood Insurance – Whether your home is located in a Special Flood Hazard Area (defined by FEMA) or not, Flood Insurance is available to protect your home from rising exterior water.
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Policy Service
Customer Service is available via direct insurance company portals and tele-servicing centers for our clients and their mortgage companies.
Claims Reporting Service is available 24/7 directly online, via mobile apps and personalized telephone service.
More details available on our Policy Service tab.
- Verification of Insurance by Mortgage Companies
- Billing and Payment Services
- 24/7 Claims Reporting Hotline
THE NUMBERS
Results You Can Trust
HDA Insurance Brokerage is a certified and licensed National provider of home insurance and other insurance products online direct to the consumer public and via our institutional arrangement with mortgage providers. Since 1986, this Personal & Commercial Lines agency evolved into a national property insurance provider with a focused expertise in Homeowners Insurance, Landlord Insurance, Renters Insurance, Earthquake Insurance & Commercial Lessor’s Risk Insurance.
Success rate
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Underwriting Partners
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Claims Reporting
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Insurance Policies
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FAQ
Here are the most common questions
Chances are, you'll find the answer in our FAQs.
We have listed some of the more common questions asked by homeowners.
We’re here to answer any and all your questions. For more specific questions, you may complete our Contact Us form and one of our representatives will be happy to personally research the topic and respond at your convenience.
Homeowners Insurance coverage offers protection against specified perils for your house and personal property, including any garages, sheds or other structures which you may have.
Apart from the contractual obligation with your mortgage company to insure your home, Homeowners Insurance will help protect your home from Fire, Theft, Vandalism, Smoke damage and many other perils. Get your FREE Home Insurance Quote now!
The amount which is deducted from the pay out for each claim. A higher deductible will result in a lower premium and a lower deductible will result in a higher premium when shopping for insurance.
When running a business from home, additional coverage may be necessary. Home Insurance is written under Personal Lines and Business Insurance is written under Commercial Lines. In the case of a small and home-based business, some home insurance policies will allow for limited business-related equipment and supplies but most likely will not cover business liability exposure.
Homeowners Insurance policies typically have a very low limit for jewelry coverage; it is usually listed as a sub-limit of the Personal Property limit. Although each insurance company handles this differently, there may be a way to increase the jewelry sub-limit without endorsement, an available unscheduled jewelry endorsement or a scheduled jewelry endorsement (which will require a current appraisal and list the high valued items individually).
Personal Liability coverage is one of the most important parts of the Homeowners Insurance policy.
If someone is injured on your property and brings suit against you, you may well likely have coverage. There are some exclusions; however, slip and falls or dog bites are the most common claims filed.