Home Insurance

More than just timber and drywall

Your home is magical place where you can binge-watch guilty-pleasure TV shows in a tattered bathrobe and eat ice cream for dinner without being judged.

Whether it's a traditional house, condo, or mobile home, it’s your happy place and it needs to be protected. 

 
1917703.jpg
 
 

What is Home Insurance For?

  • Property Damage - By far the biggest claim maker, this includes damage to your house and any structures on your property due to water, fire, storms, etc.
  • Natural Disasters - Homes devastated by events like floods and earthquakes are usually not covered by basic plans. You may need added coverage or a separate policy to keep your goodies protected.
  • Personal Property Coverage (AKA your stuff) - This will depend on the policy. Items like furniture may only be covered up to a depreciated value, but stuff like your bling might not have any coverage and will need additional insurance.
 

But what about?

  • Standard Home Liability - You need to be  covered financially if someone is injured or their personal belongings are damaged while on your property.
  • Extra Money for Living - If your house is too messed up to live in while it’s being repaired or renovated, your policy can pay for a hotel and other living expenses, like groceries.
  • Personal Property (AKA your stuff) - Depending on the policy, items like furniture may only be covered up to a depreciated value, but stuff like your jewelry might not have any coverage and will need additional insurance. We can help you sort it out.
 

Do I have to have Home Insurance?

There's no law that requires you to have homeowners insurance, but most lenders require a policy in order to give you a loan. They need to ensure that your policy will cover or exceed the amount you owe on the loan.

 
 

Got questions or need a quote? Drop us a line.