Because you never know when disaster could strike, ensuring that your most valuable assets – home and property – are protected are one of the first things a homeowner will have on his list of things to do. Mortgage lenders also want to protect their investment and require you to have coverage as long as they carry your mortgage. Making sure that you have enough coverage is our job. Together we can evaluate your needs and find a premium that will fit your budget.
Homeowners insurance covers the structure of your home, your personal property inside and outside your home, as well as your personal legal responsibility (or liability) for injuries to others while on your property. Insurance companies use a variety of factors to evaluate how much coverage you need, which affects your homeowners insurance quote. As a homeowner you should understand the variables, as they will be the determining factors that will make up your insurance quote and ensure that you are getting the full coverage that you need at a price you can afford.