A house, condo, mobile home, or another dwelling is usually the largest investment that a person will make during their lifetime. The ideal protection for that investment is a homeowners insurance policy with the types of coverage discussed below.
Dwelling coverage is the insurance for the building itself. While dwelling coverage can vary according to the policy, most dwelling insurance covers situations such as natural disaster damage, vandalism damage, and fire damage. To cover damages caused by earthquakes and floods, coverage must be purchased separately or added to a homeowners policy where available.
Contents coverage covers any personal property inside the home. Usually, that includes nearly all home contents like furniture, clothing, and decorative objects. Keeping track of the overall value of personal possessions can be substantial for this type of coverage so the insurance advisor can create a policy that would cover a total loss. Individual items with high value, for example, heirloom jewelry, may require a policy rider to get sufficient coverage.
Liability coverage provides protection from legal action. If anyone files a lawsuit after being hurt on your property, this coverage will pay the damages that the court awards or will pay a settlement to the injured person.
At Insurance Solutions, our independent advisors are ready to provide online quotes for homeowners insurance today. We offer multiple quotes that allow you to compare and contrast policies so you can choose the homeowners insurance policy that best fits your needs. Contact us today to get started.
"I have worked with Insurance Solutions for a number of years now. Having had four children and as many as five vehicles and my home to insure, quality coverage at an affordable price is crucial. They helped me find the right balance without breaking the bank. Thank you!"
"I've been a client of Insurance Solutions for almost 10 years. They've helped me with home, auto, life and health insurance. Having three teenage drivers was a challenge I could not have imagined but they took the time to shop a number of highly rated carriers to find the best value for me. They not only helped me understand my coverage but they met with my children to help them understand the long term benefits of safe driving to them."
"We have been doing business with Insurance Solutions since 2011. We value the professionalism and support we have been given over the years. Their prices have been fair, and they have been quick to respond to any questions or requests that we may have had. I would recommend the services of Insurance Solutions to anyone in need of insurance."
Michael A., A-CON, LLC