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Since March 2017
As of 07/22/18
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The simplest way to buy
homeowners coverage online
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So, What Is Homeowners Insurance?
"In Plain English," It's simply protection against the loss of your
home or things in and/or around your home.
homeowners insurance covers
A home insurance policy will usually cover things like:
Getting a homeowner insurance quote is the first step to making sure your house and property is covered from any unexpected life events.
You can even customize your policy based on your specific situation like getting Condo Insurance.
Homeowners Insurance Vs Home Warranty plans
It is very important to note that Home Insurance & Home Warranty Plans are NOT the same thing.
Home Warranty Plans also known as (appliance insurance), will cover your home appliances from normal wear and tear, or if they stop working or they break.
A specialist will usually be sent out to your home to assist with fixing or replacing a covered item such as:
The main difference is that a homeowners policy will only cover your items if they are damaged due to a covered loss, a homeowners policy will not cover for wear and tear.
Home Insurance Vs Renters Insurance
When it comes to owning a home and renting a home there is a distinct misunderstanding about what homeowners insurance covers and when someone will need renters insurance.
While both of these types of overages will have personal property insurance attached, cover personal liability, and have a replacement cost option, they are two completely different types of insurance coverage and also offer different insurance discounts.
Renters Insurance
Renters insurance is only for your personal property, your physical unit isn't covered, and your landlord's coverage also won't cover your personal property; your renters policy will cover:
With renters insurance you can easily purchase your coverage with one of your credit cards within a few minutes and usually have a short claim overview process.
Remember, even though renters insurance will cover your rental, it won't pay out if you die, only life insurance can cover that.
Homeowners Insurance
Homeowners insurance is the best defense you can give your family from a disaster destroying your home and usually covers:
With newer types of home insurance you can easily purchase your coverage using an online quote tool, within a few minutes; and home insurance companies are more equipped to handle catastrophe claims.
If your car is damaged by a covered loss, then homeowners will kick in, however, in general, you should look to your auto insurance policy to help with almost any auto claim.
Insurance That Works Together With Home Insurance
It is easy to think that one size fits all when it comes to insurance but that just isn't the case.
There are several types of insurance that you will probably need outside of your home insurance:
This is just a quick list of things, now keep in mind that each policy works different, and you probably will need a special coverage for something like classic cars or fine art.
Getting a homeowner insurance quote is the first step to making sure your house and property is covered.
You can even customize your policy based on your specific situation like getting Condo Insurance.
How Much Homeowners Insurance Do I Need?
On average, most homeowners insurance policies
are for around $100,000 and on a mortgaged home
they usually cover how much you paid for the home.
Then, depending on your policy, some things might
have to have a separate policy like coverage jewelry or weapons as well as Liability.
While others, will cover multiple items in one policy.
The amount of homeowners insurance that you will
need is going to depend on a few factors that you
probably haven't thought about. This includes
things like:
When you are deciding on how much home owners
insurance you need, it's best to act like a detective.
Figure out what everything will cost you, determine
if you have specific risks like an exotic pet.
Along with the other factors above come up with a
number and if you can afford it, double the amount
of coverage, if not, you still have a great starting
point.
You can also check out our home insurance calculator.
Stats That Prove You Need a Home Insurance Policy
Should You Get Homeowners Insurance Quotes Online
As with most things, the days of sitting down with someone to purchase anything are going away fast.
With the new technologies in the market you are able to get
lower prices, sometimes up to 25% cheaper than going the old
school route.
Our companies are able to get you a super fast home insurance quote within sixty seconds online and get you covered within a few minutes.
When you get a home owners insurance quote online you save
yourself time and gain peace of mind with immediate coverage.
