Home Owners Insurance

Homeowners insurance is an essential form of protection for any homeowner. It helps to safeguard your home and possessions against a wide range of risks, such as fire, theft, and natural disasters. It also provides liability coverage in case someone is injured on your property. 

Without homeowners insurance, you could be left to pay for repairs or replacements out of pocket, which could be financially devastating. Even if you have a mortgage on your home, your lender will typically require you to have homeowners insurance to protect their investment. 

It’s not just about protecting your home, it’s also about protecting your financial future. It’s important to have the right coverage and review it annually to make sure you have the coverage you need.  We specialize in making sure you have the protection you need.  Call today to make sure your home is protected.

HOME OWNERS insurance

Homeowners insurance typically includes several different types of coverage, including:

Property coverage, which covers damage to your home and other structures on your property, such as a garage or shed.

Personal property coverage, which covers damage or loss of your personal belongings, such as furniture, electronics, and clothing.

Liability coverage, which covers you in case someone is injured on your property or if you cause damage to someone else’s property.

Additional living expenses coverage, which covers the cost of temporarily living elsewhere if your home is uninhabitable due to a covered loss.

It is important to understand that standard homeowners insurance policies may have limits and exclusions, so it’s important to review your policy carefully and consider purchasing additional coverage or endorsements if necessary. For example, if you live in an area prone to floods or earthquakes, you may need to purchase separate flood or earthquake insurance. Additionally, high-value items such as jewelry, art or collectibles, may require additional coverage or endorsements to be fully protected.

It’s also important to review your coverage and limits annually, as your needs and risks may change over time. This will help ensure that you have the right coverage in place when you need it the most.

Schenck Insurance - Life, Medicare, Retirement & Group Health
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