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Homeowners Insurance
Why an Independent Agent?

Homeowners insurance covers your property as well as liability. One of the main purposes of liability insurance is to protect you if someone is injured on your property. Most home insurance policies provide a minimum of $100,000 liability, while many people prefer the added coverage of $300,000 or even a million.

You may need to consider a higher limit if you entertain large a large number of people, have pool or hot tub, own firearms, or simply would feel more comfortable with additional coverage. In addition to your homeowners liability coverage you can purchase a umbrella policy which blankets over the liability limits of your home an auto. In this day and age if you own property, have large savings, own a company you may want to consider a higher liability limit on your homeowners or even a umbrella policy to help protect yourself against frivolous lawsuits.

Another important aspect of homeowners insurance is the dwelling coverage. This might be called the meat and potatoes of the policy. This is the portion of the policy that protects your home against a covered peril such as fire or tornados. A correctly written homeowners policy will provide enough coverage to completely rebuild your home. Some companies provide a replacement guarantee. The replacement guarantee ensures that your house will be rebuilt even if the cost to rebuild exceeds to limits of your dwelling coverage. In most cases there is a cap such as 120%.

Another important feature of a homeowners policy is the personal property coverage. This is the amount that the insurance company will pay to replace your personal items and property. This includes everything from silverware to your television set. You want to be sure that you are getting replacement cost coverage and not actual cost. With actual cost they look depreciation. It may be a good idea to photograph or video tape your property. Even trivial everyday items such as toothpaste and dish soap - when combined in value add up. These are all items that would need to be replaced if you were to suffer a total loss such as a fire or tornado.

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