Home Insurance Protection
Proud of 30 years Excellence
Our qualified staff will put together a customized policy to ensure your protection. No matter what type of accident occurs, our agent will ensure that your policy is designed to cover it. We are here to make sure that all of your home insurance needs are met.
Why Choose Us?
Over 10 years experience in the home insurance business
We know how to make our policies fit you needs.
Our agents are licensed and well trained in all types of insurance.
Trusted since 2000
We are here for you. We provide quality service to our customers
What is Homeowners Insurance?
Homeowners insurance is a form of property insurance that covers losses and damages to an individual’s house and to assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
Understanding Homeowners Insurance
When a mortgage is requested on a home, the homeowner must provide proof of property insurance before the lending bank will issue him or her a mortgage. Property insurance can be purchased separately or through the lending institution. Homeowners who prefer to obtain their own insurance policy can compare various options and select the plan that best meets their needs. If the homeowner does not have property insurance, the bank may obtain one for them at an additional cost.
Payments for a homeowners insurance policy are typically rolled into the homeowner’s mortgage payments. The portion for insurance coverage is allocated to an escrow account by the lending bank that receives the payment.
What Does a Homeowner’s Insurance Cover?
A homeowners insurance policy will typically cover four incidents on the insured property: interior damage, exterior damage, loss or damage to personal assets/belongings, and injury while on the property. When a claim is made on any of these incidents, the homeowner will be required to pay a deductible, which is effectively the insured’s out-of-pocket costs. For example, a claim is submitted to an insurer for interior water damage in a home.
Every homeowners insurance policy has a liability limit that determines how much coverage the insured has in the event of an unfortunate incident. The standard limit is usually $100,000, but the policyholder can choose a higher limit. In the event that a claim is successful,
Does it make sense to include your Auto Insurance Policy with your Home Insurance Policy?
Yes is frequently the answer. We offer certain bundles that contain both house and auto insurance. Bundling both coverages together lowers the overall cost. It’s only natural. With minimal additional sales and marketing costs, the corporation can make an additional sale. Furthermore, the more relationships a customer has with a company, the more likely that relationship will be maintained. From the consumer’s perspective, dealing with one company rather than two is usually easier. Having said that, there are some excellent firms that specialize in one form of insurance. An vehicle policy from Geico and a homeowners policy from Lemonade, for example, may be the greatest fit for you depending on your needs and their offerings.
Is it better to get a low deductible or high deductible?
A deductible is the amount you pay out of pocket for damage, loss, or responsibility before your insurance kicks in and pays for the rest (or up to the policy limit). The lower the deductible, the more the insurance company has to pay out in the event of an accident. Insurance companies, predictably, will charge a higher premium for policies with a smaller deductible. As a result, the decision is based on whether you choose a cheaper premium or a reduced out-of-pocket expense if something goes wrong. Choose a low deductible plan if you don’t think you’ll be able to pay the deductible if something unexpected happens. Choose a cheap premium plan if you want to take the chance that nothing bad will happen and you can afford to pay a high deductible if it does.