Home Insurance

Homeowners insurance is an important purchase for many people. There are two major reasons to buy homeowners insurance:

• To Protect Your Assets
Homeowners insurance covers the structure of your home and your personal property, as well as your personal legal responsibility (or liability) for injuries to others or their property while they’re on your property.

• To Satisfy Your Mortgage Lender

Most mortgage lenders require you to have insurance as long as you have a mortgage and to list them as the mortgagee on the policy. If you let your
insurance lapse, your mortgage lender will likely have your home insured. Compared to a policy you would buy on your own, the premium might be much higher and the coverage will be limited to damage to the structure of your home. The lender can require you to pay this higher premium until you get your own homeowners insurance again.

When shopping for homeowners insurance it is best to be prepared with a few important pieces of information so that you can get quick, accurate rates. Here is some information an insurance agent may require from you in order to process your rate quote:


  •     The square footage of your home
  •     Construction details such as roof age and type, building type, etc.
  •     Whether or not you have dogs and what breeds
  •     Details about any homeowners insurance claims for the past 5 years
  •     Your liability coverage needs
  •     The year your home was built as well as when any major improvements were made to plumbing, heating and electrical systems
  •     How long your home has been insured and with whom

    Contact us today for a free Homeowners Insurance Quote!