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What Does Homeowners Insurance Protect?

  • Broad coverage for damage to your house and any permanent structures on your property not unless the cause of the damage is specifically excluded in your policy.
  • Damage to your personal property due to causes specified in your policy..
  • Limited coverage which is available for items like stolen jewelry. Coverage amounts vary depending on your state of residence.
  • Additional coverage for valuable items which can be purchased through endorsements to your homeowner’s policy..

Our Working Hours

Our offices are always open 24 hours a day and 7 days a week. Any time you have a problem concerning home insurance you can always call us or visit our offices in person. We always have a respective customer service that will always help you answer your questions. Call us today..

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Advantages of home insurance

1. Cover the cost to bring your home up to code after a covered loss: If a grease fire ruins your kitchen, and the fire spreads to other parts of your home, your insurance policy may cover any new mandates on top of the damages caused by the fire. For example, if a law is passed requiring homes to integrate water sprinklers in your home to help combat house fires, your insurance policy may cover the cost to add the sprinklers throughout your home as well as cover the damages caused by the fire.

2. Cover damage from falling debris: If for some strange reason a satellite sank through the thermosphere, acquired earth’s gravitational pull and crashed into your roof, the damages to your home may be covered through your homeowners’ insurance policy.

3. Cover damage due to power outages: If you lived in the northeast during the infamous power outage of 2003 and had to empty your refrigerator due to spoiled food, your homeowner’s insurance policy may have covered the cost for you to restock your refrigerator. Most homeowner’s insurance policies cover refrigerator-restocking fees for up to $500 for food lost (spoiled) due to a power outage.

4. Protection of Your Assets: A full coverage auto insurance policy will protect your home, bank account and investments in the event that you seriously injure someone in an automobile accident. With only minimum coverage, you are at risk of losing everything that you have worked hard for your entire life. Having the right amount of liability coverage on your auto insurance policy will ensure that your insurance covers damages and medical bills for the injured person or persons.

5. Protecting Against Liability: Accidents are part of life. It is possible that a guest in your home may fall down the stairs, trip on a slippery floor or otherwise face injuries due to an accident. Liability protection in your plan will ensure that you are not paying for those medical bills and related expenses out of your pocket. Instead, your insurer will pay for the additional expense and ensure that the medical bills are paid after a guest is injured in your home.

Compare Rates

Our website enables you compare more than 100 insurance brands on one search. You are also able to know the price of the policy and levels of insurance covers provided. You only have to get a quote, see what coverage’s are recommended for you, fine tune and then use them for your comparison. Contact us for more information.


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