If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit if you cause accidental injury to someone at or away from your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or comprehensive perils basis. A named-perils policy covers only those losses specifically cited in the contract. The comprehensive perils policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The comprehensive perils policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
We will make help you to be sure your home and personal property is insured properly so that you are not penalized for being under-insured in the event of a loss
Want to see how much we can save you? Just request a quote to find out.