Home, for most people it could be their largest asset. More importantly, it’s where you raise your family and create memories that last a lifetime.

We can help you protect this prized possession with home insurance that fits your priorities and your budget.

A standard home insurance policy ensures your home’s structure and your belongings are protected in the event of a catastrophe, such as a fire.

In addition, home insurance policies are generally “package policies.” This means that the coverage includes damage to your property and your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets).

A home insurance policy usually covers four incidents on the insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property.

Home insurance does not cover everything, no matter your policy limits. For this reason, it’s a good idea to customize your policy with additional coverages to suit your specific situation.

Some optional add-on coverage includes earthquake insurance, flood insurance, replacement cost plus, other structures insurance, personal umbrella liability insurance, and many more.

The following are reasons why you should have homeowners insurance.

Owning a home will probably be your biggest investment throughout your life. Your home will probably be your safety net for years to come. Protecting your home with insurance will give you a sense of security.

If something happens to your home’s structure and the right insurer covers it, home insurance will cover the cost of rebuilding your home.

Home insurance will cover the cost of your belongings in the event of severe damage. This is because small items add up quickly, even if you feel like you don’t own that many expensive belongings.

Although you would never intend for someone to get hurt on your property, accidents do happen. However, you can protect yourself from the unexpected with home insurance.

While purchasing home insurance, it is important you map the coverage to different needs you have. Talk to us, and we can help you select the right coverage for your needs.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.