Home Insurance

The coverage deoends on teh policy type and the details of the policy. A typical homeowners policy will help cover property damage from things like fire, lighting, windstorms, hail, explosions, smoke, vandalism and theft. It will also help cover housing expenses if you temporarily cannot live in your home sure to covered losses. 

Personal property coverage protects the properrty you own inside of your home such as iPads, laptops, TVs, jewelry, artwork, collectibles, tools, and firearms. However, each policy has a limit on this coverage.

Coverage has limits, so it is important you inform yourself about those limits. We can help with that.

Yes. Most mortgage lenders require it. As an owner or a renter, you face property liablities and risks. For example, you can be sued if someone hurts themselves on your property. the cost of legal fees in this case can run into thousands of dollars regardless of the result or ensuing additional costs. In another example, if you were to lose your home or have property damaged in a major way due to an ccident, you likely would struggle replacing it or the proprty at once. 

Yes, you can adjust your coverage. If you are remodeling or upgrading your property, you can add coverage. Really, any sizable improvements or purchases you add to your property is. agood reason to reevaluate your home insurance.

Saving on your home insurance is easy! There are smart home adjustments that you can do to your hom that can help you save money. Also, you can save money by combining home and auto insruance in a bundle.

The cost of home insurance varies depending on the cost of the property as well as the area you live in. Some areas may be more prone to natural disasters, whle other areas may have higher rebuilding costs. The cost also depends on the specific type, plan and amount of coverage. However, one averageyou can expect to pay around 1-2% of their household income. According to Quadrant Information Services, in 2021, the average cost of home insurance on a $250,000 propertyy ranged from $50-250 depnding on the state.