About Homeowner's Insurance


It's your home and you want to protect it with the right homeowner's insurance policy. To do this it's important to understand what a standard homeowner's insurance policy includes. There are four key components consisting of:

  • Coverage for the structure of your home.
  • Coverage for your personal belongings.
  • Liability protection.
  • Living expenses in case you are temporarily unable to live in your home due to a fire or other insured disaster.

Your House

This part of your policy generally pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It generally does not pay for damage caused by a flood, earthquake or just wear and tear. When purchasing coverage for the structure of your home, make sure to buy enough to rebuild your home. Also, review this coverage on an annual basis to make sure you have sufficient coverage.

Your Personal Belongings

Your furniture, clothes and other personal belongings are usually covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies provide coverage between 50% to 70% (this is just an average, every policy is different) of the amount of insurance you have on the structure of your home. The best way to determine if this is sufficient is to conduct a home inventory, in case you need to increase your coverage. If you have questions about what is covered by a specific policy, contact us.

This part of your policy may also include off-premises coverage, which means that your belongings are covered anywhere in the world, unless you have decided against this coverage. Expensive items such as jewelry, furs and silverware are covered, but there are usually dollar limits if they are stolen. To insure these special items to their full value, consider purchasing a special personal property endorsement or floater and insure these items for their appraised value.

Trees, plants and shrubs are also covered under standard homeowners insurance. They are protected against theft, fire, lightning, explosion, vandalism, riot and even falling aircraft. They are not covered against damage by wind or disease.

Liability Protection

Liability protects you against lawsuits for bodily injury or property damage that you or family members cause to someone else. It also pays for damage caused by your pets. So, if your child or dog accidentally breaks something in your neighbor's yard, you are covered. The liability portion of your policy also pays for both the cost of defending you in court and any court awards—up to the limit of your policy.

Liability limits generally start at about $100,000. Many recommend that you have up to $300,000 in coverage. Some people feel more comfortable with more coverage. You can also purchase an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits. Your policy also provides no-fault medical coverage. If a friend or neighbor breaks an ankle playing basketball in your back yard, he or she can simply submit medical bills to your insurance company. Expenses are paid without a liability claim being filed against you. You can generally get $1,000 to $5,000 worth of this coverage.

Additional Living Expenses

If your home is damaged because of a fire, storm or other insured disaster and you can't live in it, this coverage pays the costs of living someplace else while your home is repaired or you find another place to live. While your home is being rebuilt, hotel bills, restaurant meals and other living expenses are covered. Coverage for additional living expenses differs from company to company.

insurance overview


Exploring your insurance options?

You are at the right place! Whether you’re shopping for business insurance, home insurance, auto insurance, medicare supplement, health insurance or life insurance, we can help get you the best coverage available. Take a few minutes to explore our site to learn about the types of coverage we provide and the educational resources we offer, and then contact us to discuss how we can meet your unique needs.

Importance of Annual Insurance Reviews.

Most people know the importance of insurance protection. You don't want to be without it when problems arise. What many don't realize, however, is that protecting themselves with insurance isn't a once and done event. You don't wear the same pants you did when you were five years old because, besides no longer being in style, they simply don't fit. A homeowner's insurance policy purchased when your house was furnished with bean bag chairs and bar stools is no longer going to "fit" once you're lounging on Italian leather sofas while watching television on your wall mounted plasma screen. Life is constantly changing, and your insurance policies should reflect that.

Freedom of Choice.

Captive agents and direct writers provide you with just one company’s insurance products, but an independent insurance agent can provide you with options from multiple insurance companies. This allows your independent agent to review offerings from different companies — many of which are only available to you through independent agents — and help you find an insurance provider that best fits your mix of coverage, price, and service needs.

Independent Agents representing YOU.

An independent insurance agent is authorized to sell several companies’ insurance products, but ultimately your agent represents you — not those companies. That means you have someone on your side and ready to ‘go to bat’ for you in the event of an insurance question or dispute. It also means you have a person who is regularly looking out for your insurance needs – which may change over time, and who can find a new insurance provider for you if your current provider is no longer the best fit.