Why do I need homeowners insurance?

Homeowners insurance ensure that you are covered when you really need it. Things happen such as natural disasters, which are completely out of our control. In the event that something bad happens, it’s good to make sure that your home is insured, because then you can afford to pay for those damages later. Homeowners insurance helps pay for any potential rebuilding costs that you might have down the line.

What isn’t covered by homeowners insurance?

Homeowners policies generally limit the amount of coverage on guns, fine jewelry, furs, silver and other possessions that are highly susceptible to loss and not owned by most policyholders. These possessions can be covered fully by adding an endorsement to your homeowners policy. Flood and earthquake damage generally is not covered under your homeowners policy, but separate coverage may be purchased. Contact us to find out what is covered and what insurance you may need.