Personal Insurance
Protect Your Home With Homeowners Insurance
Homeowners insurance provides protection for your home, contents, and liability coverage. Premiums are based on home size, value, and requested liability limits.
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Homeowners Insurance Coverage
A homeowners policy is insurance to pay for damage to your home caused by lightning, fire, wind, hail, tornadoes, and other disasters listed in your policy. Notably, flood and earthquake damage typically aren't covered—these require separate policies.
The coverage amount should reflect rebuilding costs, not resale value. At Insurance Expert Group, we work with multiple A+ rated carriers to find you comprehensive coverage at competitive rates.
Coverage Components
Home and Property Coverage
Covers the structure of your home including walls, roof, and attached structures. Coverage amount should reflect rebuilding costs, not resale value.
Personal Property
Typically covers a percentage of your home's replacement cost for items like furniture, clothing, and appliances. High-value items such as jewelry, firearms, and silverware require separate discussion with an agent.
Liability Protection
Addresses accidents on your property. Covers legal costs when someone is injured or their property is damaged while on your premises, protecting you from potential lawsuits.
Additional Living Expenses
If a covered loss forces you from your home, the policy may cover temporary housing and related living expenses during claims settlement.
Other Structures
Covers detached structures on your property like sheds, fences, and detached garages.
Medical Payments
Covers medical expenses for guests injured on your property, regardless of fault.
What's Typically Covered
Note: Standard homeowners policies typically do not cover flood damage or earthquakes. Ask us about separate flood insurance policies to fill these coverage gaps.
Policy Variations
Homeowners policies vary significantly. Key differences include:
Policy Types
HO3 (most common) vs HO5 (broader coverage) - each offers different levels of protection for your home and belongings.
Peril Coverage
Special peril (covers everything except exclusions) vs Named peril (only covers listed events).
Roof Valuation - ACV
Actual Cash Value pays replacement cost minus depreciation based on roof age.
Roof Valuation - RCV
Replacement Cost Value pays full replacement without depreciation deduction.
Deductible Information
The standard deductible is $1,000. Higher deductibles can reduce your premium costs and may be appropriate if you're unlikely to file smaller claims. Ask your agent about deductible options that balance premium savings with out-of-pocket risk.
What Affects Your Premium
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Don't wait until it's too late. Get the homeowners coverage you need to protect your family's most important investment.