If you're like most homeowners, your home is your most valuable asset, and should be protected as such.  When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

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Homeowners insurance 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.

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It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

 

If you’re not using an independent agent like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

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Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

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