Owning a home is an accomplishment for most people.
Do you know how to protect you and your family from costly issues that could take this all away?
What is Homeowners Insurance?
A homeowners insurance policy is basically a contract you make with an insurance company. In exchange for your premium, the insurance company will pay for financial losses related to your home or your property during the period of the contract. The insurance company also agrees to pay for damages resulting from injuries or damage to other people for which you are held legally responsible. When you’re searching for homeowners insurance, you’ll want to shop for the type of policy that will fit your needs best, with adequate protection for your valuable possessions and supplemental coverage to protect against natural disasters that are not covered in your basic policy. If you’re like most people, the owner of the mortgage of the home will require homeowners insurance. Let us at Hopmeier Evans Gage Insurance work with you to find the right coverage page. Contact us today!
A homeowners insurance policy is basically a contract you make with an insurance company. In exchange for your premium, the insurance company will pay for financial losses related to your home or your property during the period of the contract. The insurance company also agrees to pay for damages resulting from injuries or damage to other people for which you are held legally responsible. When you’re searching for homeowners insurance, you’ll want to shop for the type of policy that will fit your needs best, with adequate protection for your valuable possessions and supplemental coverage to protect against natural disasters that are not covered in your basic policy. If you’re like most people, the owner of the mortgage of the home will require homeowners insurance. Let us at Hopmeier Evans Gage Insurance work with you to find the right coverage page. Contact us today!
| Homeowners Insurance package policy covers the following: | |||||
|---|---|---|---|---|---|
| ♦ | The structure of your home | ||||
| ♦ | Your personal belongings | ||||
| ♦ | Liability protection | ||||
| ♦ | Additional living expenses should you be displaced from your home due to disaster | ||||
| Basic homeowners insurance covers 11 types of disasters: | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| ♦ | Aircraft | ♦ | Wind / Hail | ||||||
| ♦ | Explosion | ♦ | Vandalism | ||||||
| ♦ | Fire / Lightning | ♦ | Smoke | ||||||
| ♦ | Volcano Eruption | ♦ | Falling Objects | ||||||
| ♦ | Theft | ||||||||
Floods, earthquakes, war, nuclear blasts and normal wear and tear are excluded from homeowner’s insurance coverage. However supplemental policies can be purchased to cover floods and earthquakes.
| Other packages and additions available: | |||||
|---|---|---|---|---|---|
| ♦ | Renters Insurance | ♦ | Homes With Historical Value | ||
| ♦ | Landlord Insurance | ♦ | Mobile Home Coverage | ||
| ♦ | Condominium Coverage | ♦ | Earthquake Insurance | ||
| ♦ | Flood Insurance | ||||
| THINGS THE INSURANCE COMPANIES AND AGENTS DON’T TELL YOU: |
1. Trampoline coverage may be excluded from your current policy. Some insurance companies DO NOT include this common missing coverage. How common are claims? Just watch America’s Funniest Videos on TV. You will see the injuries all the time.
2. Dogs: some insurance companies EXCLUDE certain dog breads. Find out what dogs CALL us today. Do you know the average dog bite law suit, finds the owner responsible?
