Protect your most valuable asset with the right policy.
If your home were damaged or destroyed, you would want your claim settled by an insurance agency that is experience and knowledgeable about your particular circumstances and experienced filing claims.
Agency Premier Group can help you find the home insurance that will best meet your needs and provides the most valuable combination of tailored coverage, quality service, and fair pricing.
Whether you own a house, apartment, or condominium, the right home insurance policy can provide you with peace of mind as well as the money you need to repair or replace your home and/or belongings. Please contact us for more information today!
What Is Home Insurance?
Having your property insured can safeguard you financially against losses caused by fire, theft, vandalism, or other covered events. In addition, you will be covered if someone is injured on your property and wins a legal judgment against you.
Homeowner's policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
How Much Does Home Insurance Cost?
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
- What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
- How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
Common Coverage Options
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
PROTECT THE THINGS THAT MATTER TO YOU
Having an inventory of your home and personal belongings as well as taking photos or video can help speed up the claim resolution process. Keep this list somewhere other than your home. Your policy does not cover damage caused by poor or delayed maintenance on your part, so keep this in mind.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.