If you’re a typical homeowner, your home is probably your most valuable asset. So, how do you protect that investment? Homeowners insurance compensates you in the event something happens to the house where you live. Fire, theft, storm damage and other events are typically included in your coverage. You’re also protected in the event someone is injured on your property.

There are many decisions to be made while structuring your home insurance policy, so we work with you to find the right mix of coverages for you,  your home and your situation. We can answer all your questions and give expert advice on the types of coverages you need.

A typical home insurance policy protects:

• your home’s physical structure
• other buildings or structures on the property, such as storage buildings, sheds, pool, etc.
• the personal property and belongings inside your house, (up to specified limits)
• liability for injuries and property damage you cause to other people
• injuries to pets while they’re inside your home
• living expenses if a fire or other disaster makes it necessary for you to temporarily stay elsewhere
  

You may have circumstances where you require extra coverage. Some options that are available for an additional premium fee:

• more coverage for property damage or bodily injury
• personal property replacement costs
• protection for valuables, such as jewelry or firearms
• coverage for electronics and computer equipment
  

It’s sometimes helpful to make a list of all your property, not only large items, but a comprehensive list of all your personal property, too. We can then help you choose the level of coverage that makes you comfortable – and protects you from disaster.

There are many decisions to be made when buying Homeowners Insurance. Let us help you make sound choices: 262.763.2408