Home Insurance Programs, Local & Nationwide Your Home Is Important, Make Sure It’s ProtectedYou have to ask yourself…What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay some or all the repairs out of pocket?These questions are crucial to address, because you can’t get insurance after a disaster strikes—and that can happen at anytime. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:Your representative took the time to make sure you have the right protectionYour insurance carrier has your back.What is Home Insurance for?Home insurance covers the hazards that most homeowners face—everything from fire to theft, a cracked foundation to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.You could also potentially need insurance to protect you from having to pay for:Storm damage, fire, windstorm, lightning and hail, to name a few.Dog bite liability (standard liability may not be enough if your dog bites someone or causes them to become injured, so consider your pets carefully)Manufactured home coverageTrampoline or swimming pool liability insuranceWind damageSinkholesFlood damageSewer or septic backupsReplacement cost for personal propertyUmbrella liability insuranceWhen you see an independent insurance agent like us, you have the chance to explore all your options for insurance, and protect the things that are most important to you.Little known facts about Homeowners InsuranceThere are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:Most policies will not cover sewer back-up unless you purchase a special endorsement—it’s not expensive, but you won’t get it if you don’t ask for itDamages caused by surface water or water that flows below the surface of the ground aren’t usually coveredA standard Homeowners policy typically does not include Flood InsuranceA standard homeowner policy only covers jewelry up to set limits if the loss results from one of the perils named on the policyMany policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.Who Needs to Insure Their Homes?Frame housesCBS homes (Concrete Block Structure)Manufactured homesMobile homes on acreageCondosTownhousesSecondary homesHomes you rent to othersSeasonal resident homesEven residents that only rent should make sure they have the right kind of renters insurance in place.Why We're DifferentYou may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.