Homeowners Insurance

At Insurance Agencies, Inc., we know what an important and expensive investment your home is. That’s why we are passionate about making sure you have the right insurance to ensure your protection.  

Hazardous events like fires or break-ins can be unfortunate realities of owning a home, and recovering after these events can put a financial strain on you and your loved ones. Homeowners insurance can help reduce that strain by covering these costs. 

What Does Homeowners Insurance Cover? 

With homeowners insurance, you are financially protected from a variety of risks. Each policy is different, offering a diverse array of benefits and coverages. Some of these include: 

• Liability coverage—This type of coverage assists you in paying for accidental harm to someone else or damage to their property. Usually, liability coverage will pay for these types of incidents whether they occur on or off your property.
• Possessions insurance—This type of coverage insures items in your home, like electronics and furniture, so that you can cover repairs or purchase replacements in the event of an accident or unavoidable issue. Purchasing a scheduled items rider may also be beneficial, depending on the value of the property you want to insure since some possessions insurance policies only cover up to a certain limit.
• Structure protection—This type of coverage helps insure your home against natural disasters, vandalism, theft and a variety of other unexpected disasters. Many policies offer the option to cover structures on your property that are not directly connected to your home, such as fences or detached garages. 

What Does Homeowners Insurance Cost? 

The cost of your homeowners insurance depends on the policy you select. Multiple other factors could influence the cost, such as your home’s value and location, your credit score and security features in your home. Also, in order to take out a mortgage, lenders often require you to have homeowners insurance. The minimum amount required for most lenders is enough to cover the replacement value of your home, so keep that in mind as well when you are shopping for a policy. 

Next Steps for Homeowners Insurance 

Our agents at Insurance Agencies, Inc. are dedicated to helping you find the homeowners insurance policy that is right for you. Contact an agent today to start the one-on-one process of finding the coverage your home deserves. 

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