Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Home insurance protects you against financial loss if your property is damaged by a qualified event. The typical homeowner's insurance policy covers the house, garage and other detached structures on your property ( fence, shed, gazebo etc...) as well as your personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorm, fire, frozen pipes, vandalism and theft etc... The extent of the perils covered will depend on the type of policy you have selected and should be reviewed closely with your agent! An all-risk or open perils type policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy. Homeowners insurance also covers your additional living expenses incurred while your home is being repaired. It is critical that you and your agent analyze the estimated rebuilding cost of your home to ensure current rebuilding cost protection in the event of a loss! The liability portion of your policy provides legal defense and protection arising from accidental injuries to third parties and/or their property, such as a guest slipping and falling as well as claims arising off premise, such as while on a vacation. * Coverage for Flood and Earthquake damage is excluded and must be purchased separately.
For coastal homeowners with property located in the "wind pool" ( within 1000 feet of a tidal water), homeowners policies may exclude windstorm coverage. Separate windstorm coverage can be purchased through some state-run programs ( e.g. the Citizens program in Florida) or through excess & surplus lines markets. These policies generally include a separate hurricane deductible - often a percentage of the wind limit for the home - which is triggered by a windstorm loss resulting from a storm system declared to be a hurricane by the National Hurricane Center.