Home Insurance

What would happen if a disaster struck your home tomorrow? For most people a house is the most expensive or valuable asset they own.  Are you confident you’re properly covered for damages or worse a total loss? Would you be required to pay out of pocket for some or all the repairs?

These are questions need to be addressed.  Once a disaster becomes imminent you will likely not be able to get insurance even if your house has not yet been affected.  Major insurance carriers put a hold on new clients prior to a forecasted natural disaster or weather event.  More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

1. Your representative took the time to make sure you have the right protection
2. Your insurance carrier has your back

Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from:

• Storm damage, fire, windstorm, lightning, and hail
• Dog bite liability 
• Trampoline or swimming pool liability
• Wind damage
• Sinkholes
• Flood damage
• Sewer or septic backups
• personal property loss

We are a family run insurance agency with over 30 years’ experience.  When you see an independent insurance agent like us you have the chance to explore all your options for insurance and protect the things that are most important to you.

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure the options have been presented to you:

• Most policies will not cover sewer backup, unless you purchase a special endorsement
• A standard homeowners policy will not cover damages resulting from an earthquake
• Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
• A standard homeowners policy typically does not include Flood Insurance
• A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
• Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.

IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

If you own one of the following you need insurance:

• Frame houses
• CBS homes (Concrete Block Structure)
• Manufactured homes
• Mobile homes on acreage
• Condos
• Townhouses
• Secondary homes
• Homes you rent to others
• Seasonal resident homes
  

We have been protecting people and their most important assets with trusted rated Insurance carriers for over 30 years.  We offer coverage to meet everyone’s needs with great service and affordable rates.  Contact us today and we’ll help you protect what matters most.