Understanding Your Homeowners Insurance
What you’ll discover in this report:
- What’s covered as part of your Homeowners Insurance policy
- How some home insurance policies are different
The home insurance policy is one of the most misunderstood policies that you can buy. There have been many changes to home insurance policies have in the past few years to expand coverage and also to clarify what the policy excludes.
Our dedicated brokers will guide you through choosing the best policy for you and your family. We want to make sure you’re comfortable with the various provisions and coverages within a homeowners policy.
To be very clear, the ultimate purpose of Homeowners Insurance is to enable you to rebuild your home and life, even in the event of total destruction.
What Your Policy Covers
A good Homeowners Insurance policy will cover:
- Your residence
- Any detached structures, like garages or garden sheds
- Your personal belongings
- Additional living expenses in the event of a loss
- Personal liability
- Medical expenses to others who may be injured on your property
Our office will provide you with the most comprehensive policy available on the market today. We’ll help to put your life back in order if you should ever suffer such a catastrophic loss.
Not All Homeowners Insurance Policies Are Alike
To be sure, there are many insurance companies in the market today that will quote an inexpensive policy, but most of them are only giving you the “bare bones” coverage. When quoting your Home Insurance premium, we’ll use a full replacement cost valuation to be sure that you can replace your home in the event of a total loss.
We’ll also make sure you’re clear about any areas of the policy that have limitations and exclusions. Items such as earthquakes, snowslides, landslides and floods are excluded from the policy. Some insurers do offer endorsements, or optional coverages, to cover earthquakes, snowslides and landslides.
Other items such as jewelry, coins and collectible items have limitations in the policy, but can be added by providing appraisals and paying a small additional premium.
Many insurance companies offer discounts are available for newer homes, central station alarm systems and higher deductibles. We’ll always look into any discounts that we can get for you.
As you can see, the brokers at Secure Insurance Solutions understand the way Homeowners Insurance works. Let us identify the kind of policy and coverage you need while working hard to provide you with the best value.