As one of life’s biggest investments, homeownership calls for an insurance policy that will protect your house and its contents. As a responsible homeowner, you put so much of your time and energy into maintaining your house and making it your own – make sure your homeowners insurance decisions are equally planned out. When you work with Jerry Heinen and Associates for your homeowners insurance policy, we’ll make sure you are choosing a policy that covers you where you need it most and doesn’t charge you for the things you don’t.
Homeowners insurance is complex and can sometimes seem confusing. Knowing your options ahead of time is crucial. Most homeowners for future homeowners have some knowledge on the basics of home insurance including personal property, dwelling and loss of use coverage. Although each homeowner insurance policy is different, standard policies typically include a broad spectrum of coverage for your house and permanent structures on your property, coverage for damages or losses to your personal belongings and provide liability to protect your assets. However, did you know your homeowners insurance policy could also cover losses like identity theft and rebuilding your home with green materials after damage occurs? This extra coverage, known as endorsements, can be added to your homeowners insurance policy and provide additional coverage to your valuables.
Since homeowners insurance has so many customizable options, it’s important to sit down and talk to an expert. Don’t let an automated Web service tell you what you need. Every individual is different and every home is different. Let the experts at Jerry Heinen and Associates discuss with you your options and help you select a policy that fits you perfectly.
Learn more about the basics of homeowners insurance so you’re prepared ahead of time.
Personal Property Coverage
Protect your personal items with personal property coverage. If your belongings are damaged or destroyed by a covered loss, your policy could cover items such as furniture, family heirlooms, electronics and more.
Protect yourself and your assets. If your or a family member are responsible for causing damage to another person or their property at your home, liability insurance can cover you including court and attorney fees associated with the incident. Make sure you are protected by talking to our agents about recommended coverage limits.
If your home needs to be rebuilt due to a covered loss, dwelling coverage will pay for it. Talk to our agents about how much dwelling coverage your home requires.
Loss of Use Coverage
In the case that your home is destroyed by a fire, windstorm or other covered loss, your loss of use coverage will pay for your living expenses if you need to temporarily relocate while your home is repaired or replaced.
Many other homeowners coverages and endorsements are available including other structures coverage, water back-up coverage, home-based business coverage and additional replacement cost coverage. Stop in and talk to the local experienced agents to find the right policy for you and your budget. Make sure your home, one of your biggest personal and monetary investments, is protected.