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Homeowner's Insurance

Did you know that home insurance or homeowner's insurance is not just a single policy, but multiple coverages put together to create a package? These coverages can include damage to the residents, loss of personal property that is within the residence, medical bills of an individual injured on the premises,

  • Not every home policy protects you from theft, water damage, roof damage, or flood
  • Costs typically are calculated based upon the replacement value of the house, plus a calculation for the risks of the activities within and surrounding the residents
  • The addition of a new pet or trampoline to a house can cause your insurance premiums to jump, as your in-home risk raises
  • Adding risk-prevention measures, like storm windows, fire sprinklers, fire alarms, or a security system can reduce monthly premiums

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