Home Insurance    (Spanish at bottom of page )

It's important to understand the different 

home insurance  coverages before you select a policy. 

                                                                                ( please scroll down )

Homeowners Why do you need homeowners insurance?

   * It is really all about protecting yourself financially if something  unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

* If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it. If a guest in your home    is injured, liability protection and medical coverage help pay expenses.

 * If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

 * If you are still paying for your home, your lender will require insurance. It is important to know that homeowners insurance is meant to cover expected damage, not routine maintenance. Ask about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Please open this site to gather great information

http://www2.iii.org/individuals/homeownersandrentersinsurance/

http://www2.iii.org/individuals/homeownersandrentersinsurance/enespanol/

          ( Spanish )

Things to consider and questions to ask your agent Here are few things to discuss with your agent that will influence your decisions:

How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent              to talk you through your home's features and the things you own so            you can make an informed decision about coverage.)

Does the insurance company have a good reputation for customer service?

 Is it known for paying claims fairly and promptly?

 What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)

What's the process for filing and settling a claim?

 (Ask who to call and what happens after you file a claim.)

                                                                          

For many of us our home is our most valuable possession. The time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.

The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin  if someone is injured on your property and sues for damages.

A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered — such as flood — for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.



Tips for Keeping Your Rates LowThere are some simple

steps you can take to reduce your homeowner’s premiums.

  • Raise Your Deductible - A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit that you could handle in case of a loss.

  • New Home - If your home is less than 10 years old, you may be eligible for a new home discount.

  • Make Your Home Safer - You may be eligible for a discount if you have a burglar and fire alarms systems and/or sprinkler systems. Monitored systems will earn a bigger discount than unmonitored systems.

  • Construction Material - When you buy a home, look for fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those made of concrete tile, while wood roofs may bring a surcharge. Check the location of the nearest fire department, and avoid buying in floodprone areas.
  • Non-Smoker Discounts
  • Discount for New home movers. As your local independent agent,    I can save you up to 20% percent on your home insurance.  And there's no need to wait until your current policy comes up for renewal !
  • Travelers, a leading auto and home insurance provider offers new movers discounts on home insurance - up to 12 months after the real estate closing date.  Discounts are available for all homes, regardless of the age of the home, with the higher discounts applying to new construction.  And , you can save even more if you insuranc your car with Travelers.

                          Call us and start saving today !