Homeowners Insurance
Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Information
Secondary Home
Be certain that you extend the liability coverage under your
homeowners policy to include your secondary home. You should also
consider including the secondary home under an excess liability or
umbrella policy to provide for additional liability limits.
Flood Coverage
Purchase a flood insurance policy to protect your home and covered
contents from certain types of flood losses as designated by the
National Flood Insurance Program. A flood policy is purchased as a
separate policy through the federal program (NFIP) or through a
servicing carrier known as a write your own carrier.
Personal Property / Contents - Property Damage
Your homeowners insurance policy typically covers personal property,
including the contents of your home and other personal items owned by
you or family members who live with you. Make sure your homeowners
policy includes replacement cost coverage for personal property so
that you always receive the full cost to replace whatever item is
damaged.
Fire
Make sure your homeowners policy contains guaranteed replacement cost
coverage. This protects you if the cost to reconstruct your home is
higher than your current limit of coverage. Also be sure that your
insurance includes rebuilding your home to code. Very often, local
ordinances and building codes change over time, which may require
additional costs.
Personal Injury
Your homeowners insurance policy includes liability coverage for
property damage caused by any member in the family, but it may not
cover rumors or statements that damage a reputation. You need to add
an endorsement to your policy to expand coverage to include liability
protection that covers personal injury.
Umbrella / Excess Liability Coverage
An umbrella or excess liability policy increases your personal
liability limits by adding protection over and above your current
auto, boat, or homeowners policies-providing real financial value, as
well as priceless peace of mind. Excess liability insurance is
available either by an endorsement to your homeowners policy or
available as separate coverage.
Jewelry, Fine Arts, and Collectibles
Valuable possessions insurance covers personal property that may have
unique value, cannot be replaced like regular personal property or is
subject to special types of losses such as breakage or mysterious
disappearance. For most valuable possession categories, there is no
deductible applied at time of loss. Valuable possessions insurance can
be added to your homeowners policy or may be written as a separate
policy.
Wine Collection
If you have a sizable wine collection, you may want to consider
scheduling the collection on your homeowners policy. Doing so expands
your coverage and eliminates the deductible in case of a loss. You can
also consider unique coverages for wine, such as for spoilage.
Additional Living Expense / Loss of Use
Ensure that your homeowners insurance policy provides additional
living expense or loss of use coverage to compensate you for the
additional costs you incur for reasonable housing and living expenses
if a covered event makes your house temporarily uninhabitable while
it's being repaired or rebuilt.
Off-Premises Theft
Most homeowners policies offer an option to include off-premises theft
coverage as an endorsement, which covers you for theft of your
personal property away from your residence.
Water Backup
Water backup coverage can be added to most insurance policies.
Consider adding it so that you have the coverage you need in the event
of damages caused by a clogged drain, sewer, sump pump, and related
risks.
Personal Liability
Your homeowners policy includes personal liability coverage to respond
to incidents where injuries or damages occur to a third party where
you may be deemed negligent. However, you should consider purchasing a
personal umbrella or excess liability policy to provide additional
coverage limits to protect your assets in case a lawsuit is brought
against you.
Medical Expenses
Your homeowners policy should include medical expenses coverage to
take care of injuries and treatment - generally not of a serious
nature. In the event a person is injured on your property and requires
medical attention, you would be able to submit the injury-related
medical expenses to your insurance carrier. Medical expenses are
usually paid without a liability claim being filed against you.
Miscellaneous Coverage
You should make sure your homeowners insurance policy covers your
trampoline, as many insurance providers refuse to take on trampoline
liability and exclude the item from coverage.
New Home Quote
Owning a home is a significant investment, and protecting it is paramount. At MTN Insurance, we understand the value of your home and the importance of safeguarding it against unexpected events. Contact us today for your free quote.
How Home Insurance Works
Homeowners insurance works as a financial safety net, providing coverage for various risks that may pose a threat to your property.
Our standard home insurance policies typically cover:
- Dwelling Coverage—Protects the structure of your home, including the walls, roof, floors and built-in appliances.
- Personal Property Coverage—Safeguards your belongings, such as furniture, electronics, and other personal items, in case of theft, damage or loss.
- Liability Coverage—Offers financial protection in case someone is injured on your property, and you are found responsible.
- Additional Living Expenses (ALE) Coverage—Assists with temporary living expenses if your home becomes uninhabitable due to a covered event.
Understanding the intricacies of your homeowners insurance policy ensures that you are adequately protected when it matters most. Our knowledgeable agents are here to guide you through the details and answer any questions you may have.
How Much Does Home Insurance Cost?
The cost of homeowners insurance is influenced by various factors, each unique to your individual circumstances. While we can't provide specific figures here, we can shed light on the elements that impact the cost of your home insurance:
- Location—The geographical area of your home plays a crucial role. Factors such as proximity to emergency services, natural disaster risks and local crime rates can affect your insurance premium. For example, home insurance costs in California are generally higher than home insurance costs in Wisconsin, as there are more risks (e.g., wildfire and earthquakes) present in California.
- Home Characteristics—The age, construction materials and overall condition of your home contribute to the cost. Newer homes or those built with durable materials may incur lower premiums.
- Coverage Limits—The extent of coverage you choose for your dwelling, personal property and liability will influence your insurance costs. Higher coverage limits typically result in higher premiums.
- Deductible Amount—Your chosen deductible—the amount you pay out of pocket for certain claims before your insurance kicks in—directly impacts your premium. Opting for a higher deductible can lower your premium but increases your initial financial responsibility.
- Claims History—Your past insurance claims can affect your future premiums. A history of frequent claims may lead to higher costs.
By understanding these factors, you can make informed decisions when selecting your homeowners insurance policy. At MTN Insurance, we're committed to providing personalized solutions tailored to your needs. Contact us today, and let's build a coverage plan that gives you peace of mind in Crestline, CA.
|