You have to ask yourself…
What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay some or all the repairs out of pocket?
These questions are crucial to address, because you can’t get insurance after a disaster strikes—and that can happen at anytime. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:
It is easy to argue that the monthly cost of insurance isn’t worth it because it is more comforting to think that you will never need it. But the fact of the matter is that something will always happen- weather damage, a burst pipe or broken dishwasher, or simply just wear and tear with age. The point of having home insurance is the VALUE it provides, or the protection it offers when you need it most, not the COST it requires every month.
Insurance acts as your piggy bank for when things go wrong. You pay into it so that when you need help, you can access it right away. Think of it as a rainy day fund! Keep in mind that you can’t buy insurance to cover a claim that has already happened. Carefully considering the position you may be in, if you should ever have a claim occur, is important. Home insurance can help cover costs for repairs, replacements, and damages caused to others (also known as liability), or to your own property.
Home insurance covers the hazards that most homeowners face—everything from fire to theft, a cracked foundation to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
When you see an independent insurance agent like us, you have the chance to explore all your options for insurance, and protect the things that are most important to you.
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
Insurance rates are set, the only variable is how much coverage you choose to get. When those limits are fixed, so is the price- what changes is who you trust to protect you. You can choose to go with an agent who will look at you as a sale, who sees you as numbers, or you can choose an agent who sees you as a person who needs protection and care.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
We don’t believe in choosing numbers over people – even if you don’t choose to go with us, we will make sure that you leave your time with us happy, confident, and informed.
We are agents who care and we want you to know that there is a team of people ready and willing to serve you to the best of their ability so that you are as safe as possible- Us! While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.