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Home Insurance

Your home is your biggest asset, so you should do all you can to protect it. We’ll help you plan for the unexpected with a policy that covers both the small and large risks related to owning a home.

What does home insurance cover?

Imagine if your house caught on fire. Not only would you lose your home, but also your possessions and memories, and you’d be burdened both financially and emotionally. Without home insurance, you would not have a way to access funds to pay off the balance of the mortgage.

Of course, home insurance may also protect you in the event of more common things like a pipe leak or property damage. Because even small issues can add up, and having comprehensive coverage protects you from that.

Home Insurance 101

Make sure you cover the unique risks you face with home insurance.

  • 1 Click on the hotspots.
  • 2 Discover your risks.
  • 3 Get the right coverage.

Every home is different. Your coverage should be too.

When reviewing your home insurance options, consider these coverages

  • Fire
  • Personal Property/Contents
  • Property Damage
  • Additional Living Expense/Loss of Use
  • Jewelry, Fine Arts & Collectibles
  • Medical Expenses
  • Personal Liability
  • Miscellaneous Coverage
  • Personal Injury
  • Umbrella
  • Excess Liability
  • Flood Coverage
  • Secondary Home
  • Collectible Cars
  • Wine Collection
  • Water Backup
  • Off-Premises Theft

Get A Quote

As an independent agency, we are here to help you find the right coverage.

  • 1 Fill out the form, we’ll be in touch.
  • 2 Go over your options with an agent.
  • 3 Get the coverage you need.

Get in touch with an agent today!

It only takes a minute to get started!

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Secondary Home

Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowner’s policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Note: Actual policies must be consulted for specific terms and conditions.

Personal Property / Contents - Property Damage

Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.

Solution

Your homeowner’s insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowner’s policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Note: Actual policies must be consulted for specific terms and conditions.

Fire

Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowner’s policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Note: Actual policies must be consulted for specific terms and conditions.

Personal Injury / Defamation

Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone’s reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowner’s insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.

Note: Actual policies must be consulted for specific terms and conditions.

Flood Coverage

Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowner’s policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Note: Actual policies must be consulted for specific terms and conditions.

Valuable Possessions

Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Note: Actual policies must be consulted for specific terms and conditions.

Wine Collection

Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowner’s policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowner’s policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowner’s policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Note: Actual policies must be consulted for specific terms and conditions.

Collector Cars

Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowner’s insurance.

Solution

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Note: Actual policies must be consulted for specific terms and conditions.

Additional Living Expense / Loss of Use

Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.

Solution

Ensure that your homeowner’s insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it’s being repaired or rebuilt.

Note: Actual policies must be consulted for specific terms and conditions.

Umbrella / Excess Liability Coverage

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowner’s policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowner’s policy or available as separate coverage.

Note: Actual policies must be consulted for specific terms and conditions.

Miscellaneous Coverage

Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowner’s insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowner’s insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Note: Actual policies must be consulted for specific terms and conditions.

Personal Liability

Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowner’s policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Note: Actual policies must be consulted for specific terms and conditions.

Medical Expenses

Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowner’s policy should include medical expenses coverage to take care of injuries and treatment – generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Note: Actual policies must be consulted for specific terms and conditions.

Water Damage

Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.

Solution

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Note: Actual policies must be consulted for specific terms and conditions.

Off-Premises Theft

Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowner’s policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Note: Actual policies must be consulted for specific terms and conditions.

Get A Quote

As an independent agency, we are here to help you find the right coverage.

  • 1 Fill out the form, we’ll be in touch.
  • 2 Go over your options with an agent.
  • 3 Get the coverage you need.

Get in touch with an agent today!

It only takes a minute to get started!

Name