Why do you need Homeowners Insurance?

  • The world is full of threats and homeowners insurance protects you from such fears such as fire, storm, theft, and vandalism.
  • If someone has an accident on your property such as tripping and falling, homeowners insurance can make sure you don’t have pay out of pocket any claims.
  • Mortgage companies generally require homeowners insurance. Many mortgage companies won’t issue a mortgage without proper coverage.
  • Peace of mind is an added plus of homeowners insurance, there are enough worries in the world. How you’ll pay for damage to your home shouldn’t be one.


Homeowners Insurance for:

Houses – Condominiums – Apartments – Townhouses


Do I need special coverage for collectibles? A typical homeowner’s insurance policy offers little, if any, coverage for collectibles. To get coverage, you usually have to specifically request it and pay an extra premium. Before you insure collectibles, consider getting a written appraisal of each item first. It will help you get the proper amount of coverage and will reduce the chance that the insurer will contest your estimates if you have to file a claim.

Does my homeowner’s insurance policy protect against floods and earthquakes? Don’t count on it. Standard homeowner’s insurance policies do not insure against earthquakes and floods, If you live in an area prone to earthquakes, consider earthquake insurance. If floods could threaten your home, call us about adequate flood insurance.

Do I have to insure the total value of my home? While you certainly need to have a homeowner’s insurance policy that will rebuild or repair your home if disaster strikes, you don’t need to insure the value of the lot itself because the land cannot be burned up.


What is guaranteed replacement cost insurance? Guaranteed replacement insurance is a more comprehensive policy than a standard home insurance policy. With this coverage extension, the company promises to cover the complete costs — less any deductible — to replace your house. With this type of policies, limits on the policies are not as common because complete coverage is more explicit