What is Homeowners Insurance?
What homeowners insurance is best ?
Whether you are a new homeowner or have lived in your house for years, we know how important your home is to you. Homeowners insurance does not just protect your house and property, it also protects your belongings, yourself and your guests. You have put a lot of hard work into providing a home for yourself and family. Talk to your local independent insurance agent for personal advice on the best combination of of homeowners insurance coverage, value and price to protect your hard earned investment.
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Am I required to have homeowners insurance if I am buying my first home?
Which homeowners insurance is best ?
Lenders almost always require first time home buyers to purchase insurance. Homeowners insurance protects one of life’s biggest investments. Should a tree fall through your roof or a fire break out in the kitchen, insurance for your home helps cover the cost to repair or rebuild.. It may also cover other buildings on your property like a garden gazebo or storage shed. If the damage is extensive enough to prevent you from living in your home, homeowners insurance also helps cover the costs of temporary housing and living expenses.
A homeowners insurance policy protects your personal property, like your furniture, TV, clothing, books, computer, sporting goods and kitchen gadgets. Your belongings may be protected when they are at home or with your anywhere in the world. There may be reduction in coverage if personal property is not on the premises, check your home insurance for specific coverages.
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Does my home insurance cover damage caused by earthquake or flood?
No a standard homeowners insurance policy does not generally cover damage caused by earthquake or floods. These sources of damage require either additional coverages or a totally separate policy. If you live in an area prone to these type of events, talk to your local independent insurance agent to make sure you have the proper coverage and proper insurance policies. Flood insurance is available through the National Flood Insurance program.
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What is the difference between flood damage and water damage?
Water damage is usually caused by water coming through something like a burst pipe, an overflowing toilet, a dishwasher that leaks all over the kitchen floor or a roof that leaks after a hard rain.
Flood damage is caused by water coming from something like an overwhelmed levee that breaks, a clogged drainage system, a river or lake that overflows or even just the ground being inundated with too much water after a torrential storm. Water seeping into your basement after a heavy rain or winter runoff is usually considered flood damage.
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What are home contents or contents coverage?
Home contents are the things inside your house not permanently fixed to the walls, ceiling or floor. Your couch, television, carpet, refrigerator , dining room table, and floor lamps are examples of home contents. We recommend keeping an inventory of your home contents that you can refer to in the event of a claim. You may want to consider a home inventory app to keep track of your contents. We are a local independent insurance agent that can help you with the Homeowners Insurance coverage that fits your specific situation.
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