Homeowners


 Homeowners Insurance Information

Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

Consumer's Guide to Homeowners InsuranceWhether you are a first-time home buyer, a veteran of many years of mortgage payments and house upkeep, a condo owner or an apartment dweller, your household is one of some 90 million in the United States. Chances are your home is your single most expensive budget item and—for the home or condo owner—your most valuable investment. Homeowners insurance is a package policy that covers both property—structures and personal possessions—and liability. But do you understand what’s covered?

Download this FREE guide to help you with your questions… The Consumer’s Guide to Homeowners Insurance 
Because it is comprehensive, your homeowners insurance policy may include coverage you are not even aware of. If your luggage is stolen from a motel room while you are a thousand miles away from home, for example, you will of course want to notify the police. You will also want to check with your insurance agent about coverage for loss under your homeowners policy. And if your house burns down leaving you without a place to stay, your policy provides living expenses as well as reimbursement for damaged property.

What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage.  And don’t think that just because you live in Kentucky that you shouldn’t consider flood or earthquake coverage.  Maintenance-related problems are your responsibility.  So get off the couch and fix that loose board on the front porch 🙂

Why do you need homeowners insurance?


It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

*If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
*If a guest in your home is injured, liability protection and medical coverage help pay expenses.
Homeowners Insurance
*If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

*If you are still paying for your home, your lender will require insurance.

*It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Be sure to read your policy so you know exactly what’s included and what is not.  We will go over it with you in detail…be sure to ask questions.

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Things to consider and questions to ask us.

Here are few things to discuss with us that will influence your decisions.

*How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?

(We will talk you through your home’s features and the things you own yo help you make an informed decision about coverage.)  Just another reminder…we don’t answer to a big parent company that wants to push a “one size fits all” policy to you.  We will shop your special requirements to several companies and get you the best deal that actually fits your needs.

*Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

*What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)

*What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)  Who do you call at 3AM if your house burns?  US.  We will answer the call and get you and your family into a hotel so we can start the morning getting in touch with the claims agent and beginning the process of reclaiming your life.

 

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