Homeowners Insurance
Because everyone’s needs are different, it’s best to consult an insurance agent to help assess your needs and find the insurance policy that’s right for you. At Boost Insurance, our dedicated team of insurance professionals is here to assist you in securing homeowners coverage through a homeowners insurance policy to protect your home and your belongings.
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.
Homeowners insurance is a package policy. This means it covers both damage to your property and your liability or legal responsibility for any injuries or 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 separate policies for flood coverage and earthquake coverage. Maintenance-related problems are the homeowner’s responsibility.
Why Do You Need Homeowners Insurance?
Homeowners insurance is all about protecting yourself financially if something unexpected happens to your home or possessions. It’s important because chances are that 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’re a victim of theft or vandalism, a homeowners insurance policy can reimburse you for your loss or pay for repairs.
- If you’re still paying for your home, your lender will require insurance.
It’s important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent about what’s covered, and be sure to read your policy so you know exactly what’s included and what isn’t.
Things to Consider and Questions to Ask Your Agent
Here are a 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’re 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 policies, security systems 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.)
Why Get One Quote at a Time?
Boost’s nationwide program compares multiple home insurance plans, helping you find the most competitive rates for the coverage you need. If you need a quote now, call us at 855-616-0187.
