Homeowners Insurance Protection for your most valuable asset

Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

The Right Coverage. The Right Price. The Right Value

The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

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