Important Things To Know About Your Homeowners Insurance Policy
The homeowners insurance policy is one of the most misunderstood policies that an individual can purchase. Many changes to this type of insurance policy have occurred through the years to expand what is covered and also to clarify what is not covered (excluded). Our dedicated protection team will guide you through this selection process to make sure you are comfortable with the various provisions and coverages within the homeowners’ insurance policy.
To be very clear, the ultimate purpose of homeowners insurance is to enable the homeowner to rebuild his or her home and life, even in the event of total destruction.
A good homeowners insurance policy will cover:
- Your residence
- Any detached structures, like garages, fences, or garden sheds
- Your personal belongings
- Additional living expenses in the event of a loss
- Personal liability
- Medical expenses to others who may be injured on your property
- Identity Theft
- Water Backup of Sewer and Drains
Huff Insurance will provide you with the most comprehensive home insurance policy available on the market today which will help to put your life back in order in the event of a catastrophic loss.
Not all home insurance policies are alike. To be sure, there are many homeowners insurance companies in the market today that will quote an inexpensive policy, but most of them are only giving you the “bare bones” coverage. The slick talking lizard comes to mind here…. When quoting your home insurance premium, we will use a full replacement cost valuation to be sure that you can replace your home in the event of a total loss.
We will also make sure you are clear about any areas of the insurance policy that have limitations and exclusions. Items such as earthquakes, landslides and floods are excluded from the policy but may be purchased separately.
Other items such as jewelry, coins and collectible items have limitations in the policy but can be added by providing appraisals and paying a small additional premium.
Discounts are available for newer homes, central station alarm systems and higher deductibles. Check Out Our 10 Ways To Save On Your Homeower’s Insurance
As you can see, the protection team at Huff Insurance understands the way home insurance works. Let us identify the kind of policy and coverage you need when obtaining premium quotations to find the best values.
Huff Insurance is a full service Independent Insurance Agent We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products. Call us today at 410-647-1111.