Homeowners Insurance

Why Is Homeowners Insurance So Important?

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your homeowners insurance claim settled by an insurance company that understands this simple fact. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

There are many optional coverages that can be included in your homeowners policy. We’ll help determine the level of coverage that is right for you. Give us a call at (651) 636-6911 or request a quote comparison to get started.

Home Insurance Coverage

Dwelling – Pays to repair or rebuild your home and attached structures, like an attached garage, if it’s damaged or destroyed by an insured event like a fire or windstorm.

Personal Liability – Applies if someone is injured or their property is damaged and you are to blame.

Medical Payments – Covers medical expenses for guests if they are injured on your property. It does not cover health care costs for you or other members of your household.

Other Structures – Pays to repair or rebuild others structures on your property that are not attached to your home, such as a shed or detached garage.

Personal Property – Covers furniture, clothes, electronics and other items you own. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Additional Living Expenses – If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses while damage is assessed and your home is repaired or rebuilt.

Jewelry, Art, & Collectibles – If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

And More – There are a variety of additional coverage options that can be added to your policy, depending on your needs.

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