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Home Insurance

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Home Insurance2018-10-16T20:26:39+00:00

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Whether it’s your first home or you are downsizing after your children have left the nest, your house is probably the most expensive thing that you own. It is a considerable investment, one that potentially earns you equity and can be used to fund your retirement. That’s why it’s essential that you protect it with the help of an insurer that you can trust.

Do you need home insurance?

While you’re required to have insurance to drive a car, the same is not true for owning a home. It’s perfectly legal to own a house without an insurance policy. However, if you buy a house with a mortgage, as most people do, your lender will probably require you to have insurance to protect their investment. As a convenience, you can usually combine your insurance premium payments with your mortgage bill, to prevent having to worry about an extra bill to keep track of every month.

For condo or townhouse owners, you will still want to be insured, but your policy will look a little different since the association probably has insurance on the primary structure. I can help you understand your options, and find the policy that’s right for you.

Whatever your living situation is, it’s always a good idea to be insured. In a worst-case scenario, very few people can afford to completely rebuild their house and replace all of their possessions out of pocket. An insurance policy helps you sleep easier, with the confidence that your finances are protected in case of fire or another natural disaster.

How much will it cost?

Many different factors can impact the cost of your homeowner’s insurance. I’ll walk you through each one, so you can be confident that you’re getting a great product. For example, the age of your home and its building materials can make a difference in your rate.

The location of your home could also impact your insurance, especially if it’s in an area prone to extreme weather or theft. Installing a home security system, fire extinguishers, and other protective devices can decrease the cost of your policy. Finally, I take you into account – a good credit history can make your insurance less expensive while being a smoker can increase your cost due to the risk of fire.

Understanding the insurance policy

Homeowners policies can seem complicated at first glance, but most of them contain the same pieces. They start with the declarations page, which summarizes what is being insured and how much the insurance costs. A page of definitions follows, and then the details of the coverage. That includes the coverage for both the property and your liability for injury or damage to other people’s property.

The policy will then explain any conditions – the responsibilities that both the homeowner and the insurance company must ensure are valid. Finally, any amendments or riders will be at the back of your policy document.

Your insurance policy can cover a range of different costs. It can pay to repair or rebuild your home, replace your possessions, and pay for you to stay elsewhere during repairs if necessary.  It can also cover lawsuits against you if someone is injured on your property.

Purchasing a homeowner’s insurance policy is an important step in buying your home, and it can certainly seem overwhelming. That’s why you should reach out to me today. I have more than 13 years of experience as a Farmers Insurance agent, and Farmers has been providing insurance for more than 80 years. If you’re ready to insure your home, give me a call today. I can help you understand your options and get the policy that is the best fit for you and your home.