Your home is your safe haven, the place where you return after a long day and where you raise and feed your family, the place you entertain friends and the place where you relax, read and watch movies, perhaps your most valuable asset; Homeowners Insurance is the product which secures the home and the family from damage caused by a long list of perils.
Home Insurance may help protect you and your family from the unexpected. If the house is damaged or vandalized, if your personal belongings are stolen, if a visitor trip and falls on your property, or if you experience heavy wind damage, your Homeowners Insurance will help cover repairs or replacement, pay for temporary hotel or housing, legal fees and many more possibilities.
Home Insurance is recommended for everyone who owns a home; whether it is a single family home, a 2 – 4 unit dwelling, a condo, or a townhouse. If the home is tenant occupied, a Landlord or Dwelling Fire policy would be necessary in place of an Homeowners Insurance policy. For damage against Earthquakes and Floods, an additional policy may be required.
Although there are slight differences in all policies due to Coverage Form, Limits of Coverage, Deductible & Endorsements, the typical policy likely covers:
Most policies allow the option to add endorsements, select limits of coverage, and choose deductible options. If you don’t clearly understand the online options, it is best to call and request the assistance of a licensed representative to answer all your questions prior to purchasing insurance.
The first step to buy Home Insurance (aka Hazard Insurance) is to obtain an accurate Homeowners Insurance Quote, with today’s technology, you’ll only need a few pieces of information and within a couple of minutes, you’ll have your quote.