First Time Homeowners
As a first time homeowner, you may have questions and concerns about homeowner’s insurance. Homeowner’s Insurance is arguably one of the most important insurance policies you can purchase. Not only does it cover your property, but it also covers liability issues. Because of the wide scope of coverage provided by a homeowner’s policy, it is difficult to own a first time home without one.
Under a homeowner’s policy, your property is protected against what is called events of “peril.” Such events can be fires, theft, vandalism, etc. The liability coverage in these policies generally covers legal responsibility for incidents that may occur on your property. Incidents are usually defined as any injury and/or property damage that may occur at your home.
Usually the only exceptions to coverage on a homeowner’s policy are for floods, earthquakes, damages due to poor maintenance. However, there are comprehensive supplemental policies that you can add to your homeowner’s policies to protect you from floods and earthquakes.
A home is a huge investment of your time and money and as a first time homeowner, you need to make sure that it is adequately protected by an insurance agent that you can trust.
Contact us today and fill out our free home insurance quote form to get your new homeowner’s policy!