Need homeowners insurance? Yes we can help with that…
Whether you own or rent, live in a house, condo, or apartment, your home and it’s contents are likely your biggest investment. Make sure they are protected with a homeowners insurance policy.
Your homeowners insurance policy offers property and liability insurance coverages. It also includes additional living expense in the event you are displaced from your home due to a covered loss. Medical payments coverage is also included, which provides coverage in the event someone gets hurt on your property. This helps to protect your assets in the event you are found liable.
What does this mean exactly?
A Homeowners Insurance policy provides property coverage to your home and personal property in the event of a loss.
Liability insurance can help protect you if you or your family member is found legally responsible for injuring someone else or damaging someone else’s property. This includes damage caused by the family pets.
What about natural disasters and the such?
According to the Insurance Information Institute (III) homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. 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.
In need of condominium, renters or low value property insurance instead?
The Kluemper insurance agency offers homeowners, condominium, renters and low value property insurance. We are here to help you find the right policy at the right price.
The umbrella policy provides an extra layer of liability protection over and above your automobile and homeowner liability policies. Its purpose is to protect your assets from catastrophic claims. Ted & Kim highly recommend this extra liability protection.