From buying your first home to building your dream home, your home is one of the biggest financial investments that you’ll ever make. And, home insurance is a must! Fire, earthquakes, wind, hail, ice and water can damage your home and your treasured possessions and valuables.
Your home insurance policy must reflect the uniqueness of your home and your lifestyle. Our Dexter & Company team can thoroughly review your insurance program and tailor homeowner’s coverage to meet your specific needs.
Home Insurance Policies
These policies cover you in a home or an apartment, whether you’re an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that becomes destroyed in a fire. Or, due to theft, smoke, vandalism, or other disasters. The policy will also be your first line of defense against a lawsuit from someone injured at your home. Along with this, most standard homeowners insurance policies also cover furniture, clothing, and other possessions.
We determined cost of coverage by many rating factors. The quality of the coverage, however, becomes determined by the quality of the insurer and whether the policy’s written on a named perils or all-risk basis.
A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way. Unless, a peril is specifically excluded and coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
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Keep In Mind...
While homeowners insurance covers many types of disaster related damage, there are exceptions. For example, flood insurance and earthquake insurance are both separate types of policies, which may be desirable depending on where you live. Also, take a look at our published blog post to learn more about if you have all the insurance coverage you need.