Homeowners Insurance Made Easy

Get A Quote For Homeowners Insurance

Because everyone’s needs are not the same, it is best to consult your insurance agent to help assess your needs and find the insurance policy that is right for you. As of 2021, with house prices soaring, one of the biggest concerns is to make sure your home is insured to value. With rising replacement cost to rebuild a home, make sure you have the coverages you need.

What is Homeowners insurance?


Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Why do you need homeowners insurance?


It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Things to consider and questions to ask your agent

Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Frequently Asked Questions About Homeowners Insurance


What does normal homeowner’s insurance cover?

Typically, homeowners insurance covers the expense of repairing or rebuilding a home if it is damaged or destroyed, as well as the cost of replacing lost or stolen personal property. It may also include coverage for injuries or property damage caused by the homeowner or their family.

Which natural calamities are commonly covered by homeowner’s insurance?

Typically, homeowner’s insurance covers damage resulting from natural disasters including fire, hail, windstorms, and lightning. However, floods and earthquakes normally are not insured and require separate insurance.

Are there any homeowner insurance reductions available?

Yes, there are a number of discounts to which homeowners may be entitled, such as bundling their house and auto insurance, adding security systems or smoke detectors, or remaining claim-free for a specified period of time.

Is insurance coverage for homeowners required?

Depending on the state, house insurance is often not required. However, if you have a mortgage, your lender will likely want you to obtain insurance to protect their investment.

How can I determine the amount of coverage I need for my home?

It is important to engage with an insurance agent or specialist to determine the optimum amount of coverage for your home, taking into account your budget and risk tolerance.

How do I file a claim if my residence is damaged?

Contact your insurance carrier immediately to register a claim if something were to happen to your home. They will direct you through the procedure and give you with the appropriate paperwork and documents.

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