Call Now888.370.7311

About Homeowner's Insurance

Competitive Homeowner’s Insurance

Homeowner’s insurance can be expensive and complicated, at Send Me A Quote you can discuss the coverage that suits your needs with one of our licensed insurance representatives.

A homesowner insurance policy covers the structure of your home, and includes protection for various types of personal property and liability coverage.

Discounts on Policies:

  • There are several discounts available for homeowner’s insurance policies such as a new roof, a monitored alarm systems, hurricane shutters, and impact windows:
  • Dwelling Features and Characteristics – The age of your home and type of structure can affect your homeowner’s insurance premium.
  • Location – Where your dwelling is located can change your insurance premium. For example, insurance rates can be impacted your dwelling is in a flood zone, exposed to extreme weather, or your neighborhood is vulnerable to theft.
  • Protective Devices – Monitored burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems, and deadbolt locks can lower your insurance premium.
  • Personal Factors – Smokers may pay more for home insurance than nonsmokers. A good credit history can lower your insurance rate.
  • Claims History – If you have a history of claims, you may pay a higher premium.

Homeowner’s Insurance Can Also Cover:

  • Loss-of-use
  • Personal liability
  • Replacement costs
  • Medical expenses

Top Homeowner’s Insurance Questions

Does my policy cover floods?

The fact is that homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations). Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by hurricanes. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy. NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $200,000 with a 2% wind deductible and has hurricane damages of $25,000 the amount of the deductible will be 2% X $200,000 = 4,000.  The remaining amount of $21,000 would be paid by the insurance policy.

What payment options are there for home insurance?

In most cases your policy can be escrowed in with your mortgage payment. However, if wish to pay separately, several insurance carriers offer several convenient payment options.

Homeowners Insurance Articles

May 13, 2016
0

Does your homeowners insurance policy cover your dog?

By | Homeowners Blog, Insurance Blog | No Comments

Check Your Policy to Find Out if Your Dog is Covered

You might have had your home insured with the same insurance company for the last 15 years, but if you have one or more dogs, don’t just assume that you’re covered for any bites or damage they might cause. Check with your insurance agent to find out whether you’re indeed covered and what the coverage consists of. Maybe you were covered at one time, and maybe you aren’t now. Maybe your insurance company doesn’t even know that you have a dog. Read More

May 4, 2016
0

What is wind mitigation?

By | Homeowners Blog, Insurance Blog | No Comments

By Mitigating Wind Damage, Homeowners Could Save up to 40% on Insurance

If you live on or near the Atlantic Coast or the Gulf of Mexico, you’ve likely heard about wind mitigation and inspections. If you haven’t, you might want to want to look into the homeowners insurance premium reductions that a wind mitigation inspection might avail you to. Your savings could be substantial every year. Read More

April 8, 2016
0

Optional Endorsements for Homeowners Insurance

By | Homeowners Blog, Insurance Blog | No Comments

Now’s the Time to Review Your Coverage

It’s spring cleaning time again, and it’s a good time to schedule your annual insurance review too. Much can change during the course of a year, so take a look around you, and evaluate what you’ve picked up recently that’s likely to need increased insurance coverage. Consider special endorsements and floaters because a standard homeowners policy is likely to leave you with some significant coverage gaps. Read More