A homeowners insurance policy is a “package policy” containing several areas of coverage including:
- Your dwelling
- Other structures on your property, such as a detached garage
- Your personal property ( or “contents”)
- Your “loss of use” (to pay for a place to stay when you home is uninhabitable after a covered loss)
- Personal Liability Protection
We can help you set up a homeowners policy that includes these essential areas of coverage, and help you understand what your homeowners insurance policy will and will not do for you.
In addition to those essential areas of coverage, we can also help you customize your homeowners policy to include optional coverage lines such as:
- Identity Theft Protection
- Service Line Coverage
- Water Back Up Coverage
- Home Systems Protection
A comprehensive homeowners insurance policy does not have to be expensive. To help keep your homeowners insurance policy affordable, we many discounts including:
- Multi-policy discounts
- Fire alarm discounts
- Burglar alarm discounts
- Smart home monitoring discounts
- Water leak detection discounts
- Loss free discounts
- Newer home discounts
- Smoke detector and deadbolts discounts
- Fire extinguisher discounts
- Deductible discounts
And, finally, remember to ask about separate flood and earthquake insurance available to protect your home, or for separate coverage for your in-home business.