Invest in a Homeowners Policy That’s There for You When You Need it Most
Some people don’t put a lot of thought into their homeowners insurance. In many instances, a mortgage lender requires it, and the borrower goes with whatever policy is the least expensive. Don’t make that mistake. Take control of your home and your finances by selecting an insurance policy from a provider that has your best interest in mind, not just your money. Our team at Smith Insurance has access to a number of insurance companies and will recommend the best one for your particular situation based upon your specific needs.
Homeowners insurance policies are required by lenders for a good reason – it protects what is most likely the largest purchase you’ll ever make. A quality home insurance policy through Smith Insurance will help you rebuild your home if it’s lost, protect your savings and future earnings should you be sued due to an accident, replace your belongings if they’re stolen, and pay for living expenses if you’re displaced.
Consider These Questions Before You Choose a Home Insurance Policy
What will it cost to replace your home in the event of a total loss?
If your home is destroyed due to a disaster such as a tornado or fire, how much coverage is enough to clean-up what is left and completely rebuild or replace your home? We will carefully estimate the cost to rebuild in the event of a total loss.
Are all structures on your property covered – if so, for how much?
While other structures are included in most standard homeowners policies, not all policies do. We’ll make sure your other structures such as garages, boat storage structures, sheds, and fences are covered for the proper amount.
If disaster strikes, will your belongings be sufficiently covered?
When you choose to work with Smith Insurance and Financial, we will make sure your personal property limits are sufficient to cover all your valuables in the case of a covered loss. This includes your furniture, electronics, clothes, jewelry and more.
Did you know you are responsible for accidents that happen on your property?
Let’s say a neighbor slips and falls on your front step. As a result, they had an expensive visit to the emergency room, and won’t be able to work for weeks. The liability coverage in your homeowners policy can help cover the costs related to his or her medical expenses, loss of wages, and in the case of civil litigation, your defense costs as well.
Did you know your living expenses can be covered if you’re displaced?
Loss of Use coverage in your homeowners policy will help cover some of your basic living expenses should you be displaced from your home due to a covered loss. For example, if your home is destroyed by a fire or natural disaster, this coverage will help pay for hotel costs and other day-to-day expenses that are over and above that of what they would have been should the loss not occurred.
About Smith Insurance and Financial
At the Smith Insurance Agency, we’re experienced, understanding and dedicated. As a result, our clients are consistently satisfied knowing they are in the best hands. Schedule a one-on-one consultation with us and we’ll get you a home insurance quote that matches your needs and budget.
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- How To Save Money on Insurance
- Understanding Ordinance or Law Coverage
- Fire Safety During the Holidays
- Special Limits of Coverage
The information and descriptions contained are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service, but are provided “as is” and for general informational purposes. Contact Smith Insurance and Financial, Inc. for specific coverage information with regard to your policy.