HOME OWNERS INSURANCE

 

      For most people their home is their most valuable property.  The home is large part of the emotional and financial stability and security for the family.  Insurance companies have developed home owner insurance packages that provide the typical needed coverages.  Generally the package will provide coverage for the home, the personal property in the home, and fences and storage buildings in the yard. The package will also provide premises liability coverage in case someone else is injured on your property and you are legally liable. The standard policies can be individualized to provide insurance for antiques, art work, gun collections and other items of value.

The liability coverage can be individualized to add coverage for some at home businesses.

 

     Each homeowner insurance company has underwriting procedures that work better for one type of home than another. Some companies will not write business out of town. Some will not accept log homes or wood stoves. Other companies will not accept an insured that has had several hail claims.  We can help find an insurance market that will work for your situation.

 

     If you are renting a home you can get the same package of insurance without any coverage for the home.  A renters policy is an inexpensive way to provide the needed coverage for non home owners.