A home insurance policy is one of the most important things that you will purchase in your life. As such, we make it our goal to help you fully understand what you are getting when you sign those papers. Our agents at Resource Insurance Group form a dedicated protection team that will guide you through the selection process. We will do our best to make sure that you are knowledgeable and comfortable with the coverages and provisions in you new policy.
The ultimate purpose of your homeowner’s insurance policy is to enable you as the homeowner to rebuild your home and life in the case of a total loss of your home.
A good homeowner’s insurance policy will cover:
• Your residence
• Any detached structures, like garages or garden sheds
• Your personal belongings
• Additional living expenses in the event of a loss
• Personal liability
• Medical expenses to others who may be injured on your property
We can create a policy that will be one of the most comprehensive policies available in the market today. We can help you put your life back together after a catastrophic loss. Not all polices are alike. As you shop around to some of the other companies in the market today, you may notice that the premium may be much lower. Keep in mind, that the coverage may not be the same or even comparable. Many of those companies will quote you at the “bare bones” policy that they offer and then charge you to add any additional coverage to fully meet your needs.
At our office, we will make sure that you have the best coverage at a price that you can afford. We want you to be clear on all the aspects of your policy and know exactly what kind of coverage you are getting. As an example, most home insurance policies do not include coverage for flooding, earthquake, of landslides. These will need to be purchased separately fi they are a concern in your area.
Another area that we can tailor your coverage is in personal belongings. Any jewelry or collectible items are covered in your homeowner’s insurance policy, but with limitations. If you are in need of more coverage, we can add it onto your policy for a small additional premium.
Discounts are available for newer homes, central station alarm systems and higher deductibles.
As you can see, our protection team understands the way home insurance works. Let us identify the kind of policy and coverage you need when obtaining premium quotations to find the best values.