HOME INSURANCE
Your Home: It’s Worth Protecting
Primary Residence
Seasonal Insurance
Rental Insurance
Optional Coverages
The following options aren’t included in most policies, but can be easily added if they apply to you.
Flood Insurance
Not everyone needs flood insurance. But if you live in near a river or in an area that is subject to flooding, flood insurance could be a wise idea. We can help you assess your risk and find a suitable plan.
Sewer and Drain Backup
Most homeowners may not realize that damage that results from sewer or drain backup or overflow is not covered in most insurance policies unless specific sewer backup coverage is added to the policy.
Home Business
Most home businesses are underinsured. If you operate a business from your home, you need adequate insurance coverage – just like if you had a separate office – to protect you against the risks of doing business.
Siding and Roof
Siding and roof insurance generally applies to the affected area only. In some cases, the original materials used are no longer available and those available don’t match the existing. The siding and roof restoration endorsement gives you the option of replacing all damaged and undamaged materials in this situation.
Identity Recovery
Getting your identity stolen is a major pain. It can bring weeks and months of frustration talking to creditors and lawyers and in some cases thousands of dollars to restore your good name. Identity theft coverage is inexpensive and if anything ever happens, help is just a phone call away.
Earthquake Insurance
Earthquakes pose a significant risk to 75 million Americans over 39 states, and damage from earthquakes is typically not covered in most home insurance policies unless it is specifically added. It’s worth considering for your primary, seasonal, and rental properties.
Tenant Insurance
If you don’t own your own home, chances are good that you should think about tenant insurance.
Why should you think about tenant insurance? Most people think it’s just for your personal property. But, if you do damage to your apartment or apartment building, you are liable for the damages! That’s right – if your toaster oven starts a fire and does damage to your apartment, or even the entire complex, you can end up on the hook for a really large bill.
Umbrella Insurance
Umbrella insurance provides additional liability coverage that extends above and beyond your homeowners and auto policies.
Once you own a home and begin to build significant assets, chances are good that you should consider umbrella insurance. It protects your savings, your home, other property, and future wages in the event that you lose a case in court.
