There are a variety of common risks homeowners are faced with; therefore, it is important to protect yourself with a homeowner’s insurance policy. Just because you purchase insurance from a well-known insurance company such as Farmers Insurance or Allstate, does not mean you have the best policy on your hands. Since level of protection varies from company to company, it is important that you do your research. In fact, many insurance companies strip out important coverage. Each homeowner must do their own due diligence to make sure they have coverage for water damage, water leaks, and foundation damages. Through our affordable insurance solutions, you can get the best policy available that is, the majority of the time, at a price lower than most competing insurance companies like Statefarm, Farmers and Allstate.
A standard homeowners’ insurance policy usually covers the following:
- Physical Structure
- Personal Possessions
- Additional Living Expenses (When your home becomes inhabitable)
- Personal Liability
Specialty coverage options may include:
- Valuable Articles/Floater Insurance (Such as Jewelry Insurance)
- Replacement Cost
- Flood Insurance
- Earthquake Insurance
As a homeowner, it is vital you are aware of common disasters in your area. While damage caused by most disasters is covered by your standard homeowners insurance policy, there are certain types of disasters that your standard policy will not cover. A few of these exceptions include floods, earthquakes and poor maintenance. It is very important that you purchase separate flood insurance and earthquake insurance policies in order to further protect your home.
At Jerry R. Carnahan Insurance, we understand the importance of custom-tailoring each homeowner’s insurance policy to meet the unique needs of each homeowner. Our founder, Jerry R. Carnahan, provides homeowners’ a perzonlized service by customizing insurance policies to achieve maximize coverage at the best available rate. Allow us to protect the home of your dreams with the right coverage.