Homeowners Insurance

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Homeowners Insurance Information

What is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

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 unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

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.)

Homeowners Insurance Quote

Homeowners Insurance Quote
Fill out the following form as completely as possible. Once you have completed the form, click the Submit button to send your information. Your request will be handled promptly.
Personal Information
First Name**
Last Name**
Street**
City**
State**
ZIP / Postal Code*
Primary Phone Number**
Email Address**
Date of Birth **
MM slash DD slash YYYY
Social Security Number
Current Information
Do you currently have insurance?
Current Premium
Current Insurance Provider
Months With Company
Current Policy End Date
MM slash DD slash YYYY
Dwelling Information
Year Built
Roof Type
Construction Type
Date of Original Purchase
MM slash DD slash YYYY
Number of families living in home?
Number of bedrooms?
Liability Limit
Deductible Amount
Square Footage **
Estimated Value **
Dogs **
Pool *
Claims/Property Losses in Past 5 Years (Please Explain)
How did you hear about us?

Request Declaration and Coverages for Existing Homeowners Insurance Coverage

Request Declaration and Coverages for Existing Homeowners Insurance Coverage
Fill out the following form as completely as possible. Once you have completed the form, click the Submit button to send your information. Your request will be handled promptly.
Personal Information
First Name**
Last Name**
Street**
City**
State**
ZIP / Postal Code**
Primary Phone Number**
Email Address**
Fax**
Policy Information
Policy Number*

Homeowner Flood Quote Form

Homeowner Flood Quote Form
Fill out the following form as completely as possible. Once you have completed the form, click the Submit button to send your information. Your request will be handled promptly.
Personal Information
First Name**
Last Name**
Street**
City**
State**
ZIP / Postal Code*
Primary Phone Number**
Email Address**
Date of Birth **
MM slash DD slash YYYY
Social Security Number
Current Information
Do you currently have insurance?
Current Premium
Current Insurance Provider
Months With Company
Current Policy End Date
MM slash DD slash YYYY
Zone Information Data
Find Your Zone Data... Find Your Zone Data...
NFIP Community Number
Flood Risk Zone
Panel Number
Suffix
Dwelling Information
Year Built
Roof Type
Construction Type
Date of Original Purchase
MM slash DD slash YYYY
Number of families living in home?
Number of bedrooms?
Liability Limit
Deductible Amount
Square Footage **
Estimated Value **
Dogs **
Pool *
Claims/Property Losses in Past 5 Years (Please Explain)
How did you hear about us?

Important Notice

Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.

Per the terms of our online privacy policy we will not resell your information to any third-party.