Your home is your refuge, providing you shelter and safety. It only makes sense that you protect it with homeowners’ insurance. There are a couple of important things to keep in mind with home insurance. First, your lender will require you to have home insurance if you are still paying for your home. Also, homeowners’ insurance is intended to cover unexpected damage, not routine maintenance. As some of your largest investments, your home and the possessions inside it need the best coverage you can find. Let us do the legwork for you.
Property or Dwelling Insurance
Personal Liability and Medical Insurance
Personal Property Insurance
Scheduled Personal Property Insurance
Additional Living Expenses Insurance
How to Lower the Cost
Property or dwelling coverage helps to repair or replace your home if it is damaged or destroyed by a fire or natural disaster. Certain types of home insurance, such as
liability and medical coverage
help cover expenses in the event that a guest is injured in your home. Home insurance also comes in handy if you are a victim of theft or vandalism, reimbursing you for your loss or paying for repairs.
Personal property insurance
is a specific type of insurance designed to cover furniture, clothing, sports equipment, and other items that are important to you. Additional coverage, called scheduled personal property insurance,covers things such as jewelry, art, antiques, and other collectibles.
Additional living expenses coverage
often covers up to 12 months of living expenses if you are unable to live in your home while it is being repaired or rebuilt.
How to Lower the Cost
One way to keep costs down is to insure multiple policies, such as auto and home, with the same company. With some companies, this may translate into a discount for both policies.
Raising your deductible (the amount you pay before your coverage starts) will also result in a lower premium. In this case, it's important to ask yourself what level of deductible you will be able to afford at any given time.
Finally, you can take advantage of insurance discounts by installing monitored fire or burglar alarms.
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