Home & Condo

Are you covered?

Home insurance is essential for several reasons, providing both financial protection and peace of mind. Here's why having home insurance is important:

Protection from Damage: Home insurance covers damage to your property caused by natural disasters (like storms, earthquakes, and floods) or accidents (fire, vandalism, etc.). This helps you avoid hefty out-of-pocket expenses to repair or rebuild your home.

Liability Coverage: If someone is injured on your property or if you accidentally cause damage to someone else's property, home insurance can help cover legal fees and medical expenses. This can protect you from expensive lawsuits or claims.

Protection of Personal Belongings: It doesn’t just protect the structure of your home; it also covers your personal belongings, such as furniture, electronics, clothing, and valuables, in case of theft, fire, or other covered events.

Mortgage Requirement: If you have a mortgage, your lender will often require you to have home insurance. This ensures that their investment is protected in case of disaster or loss.

Peace of Mind: Knowing you're covered against unexpected events can reduce stress and worry. Whether it's a natural disaster or an accident, having insurance allows you to focus on recovery rather than financial strain.

Additional Living Expenses: If your home becomes uninhabitable due to a covered event (like a fire), home insurance can help pay for additional living expenses, such as temporary housing, until your home is repaired.

Affordability: While it’s an added cost, home insurance is often more affordable than you might think, especially considering the potential financial loss you could face without it. Having coverage in place is generally more cost-effective than facing major repairs or legal issues alone.

We offer plans with up to 200% rebuild replacement coverage, underground service line, equipment breakdown, water and sewer backup, HO-3 and HO-5 plans and much more!