Home Owners Insurance Basics

What is it and why do we need it

What is Homeowners Insurance

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Home Owners Insurance has Two Main Coverages

Property Coverage

Property Coverage

Property CoverageWhat does property coverage actually cover?

These are only examples of types of coverage, each policy is different so read your policy to see what is covered.

F.A.I.R. PlanFair Access to Insurance Requirement Plan

FAIR Plan requirements

Liability Coverage

If someone gets hurt on your property, they can sue you.

Liability CoverageThere are two parts to Liability Coverage

THE BIG QUESTION:How much property insurance is enough?

DeductiblesDeductibles will influence the cost of your insurance and how much you have to pay if you need to use your insurance

Replacement Cost vs. Actual Cash ValueIt is important to understand if your insurance covers the replacement cost of insured items or the actual cash value of those items

Replacement Cost vs Actual Cash Value

Take Personal Inventory of Your Possessions

Factors that Affect Insurance Premiums

Factors that Affect Insurance Premiums

10 Ways to Reduce the Cost of Homeowners Insurance

10 Ways to Reduce the Cost of Homeowners Insurance

Paying Your Insurance PremiumThere are two ways to pay your premium

Tips for Submitting a Claim

Tips for Submitting a Claim

Finding an Agent