Homeowners

Most people who own a home need “homeowners insurance”, also commonly called hazard insurance and is the type of property insurance that covers private homes.

It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

Happy Homeowners

The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders-additional items to be insured-are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events.

Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station, or if the house is equipped with fire sprinklers and fire alarms.

We do them all, representing a portfolio of the best insurance companies in the United States. Ask questions, we’re here to help!