FAQ

Home Insurance

If home is where the heart is, then you'll want to avoid heartbreak if anything happens to your home. Having the right home insurance is a good start.

What is home insurance?

Home insurance protects your investment in your home and belongings. It also gives you peace-of-mind in knowing that if someone gets hurt while at your home, or someone else's property is damaged, you will not have to bear the financial burden.

Home insurance also refers to insurance for tenants, condo owners or mobile home owners.

Why do I need home insurance?

The financial institution that holds your mortgage usually requires you to have home insurance. Even if you don't have a mortgage and own your home outright or rent one, you still should consider having home insurance to protect your home and belongings.

One way to think about this is to consider what might happen if:

A natural disaster destroys all or part of your home The child selling cookies door-to-door is seriously injured when they slip on your icy driveway A thief steals your heirloom jewelry Vandals wreak havoc with your lawn, garden and exterior paint

What does home insurance cover?

While each home insurance policy is tailored to the specific home being insured, there are some things home insurance policies generally provide coverage for or protect:

• The policyholder(s) and family members residing in the same home
• The home itself
• The contents of the home
• Any structures attached to the home or on the property
• Personal liability if you, or someone covered under the policy, are found responsible for bodily injury or property damage to another

What is not covered with home insurance?

Home insurance does not usually cover things like:

• The property (land) your home sits on
• Losses to your home-based business
• Losses from earthquakes
• Losses from floods

Protection for many of these losses is available, but they must be specifically identified in your home insurance policy or insured separately.

We can help you with assessing your needs and finding the right plan for you.  Please call us at 800-573-7572 or fill out one of the online quote forms.