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Homeowners Insurance

POLICIES

Homeowners insurance provides protection in case your home or its constituents gets damaged. It also offers protection if you or your family member are held legally liable for injuries to others or destruction to their property. Most mortgage lenders also demand this insurance. Most insurance policies that protect your home include some basic policy coverage, but there are also many types of optional coverages that you can choose to protect the things that you consider important to you.

Most home insurance policies will cater for damages caused by perils such as windstorms, lightning, fire, hail, vandalism, or theft. There are, however, other homeowner’s policies that cater for additional dangers too. Typically, earthquakes and floods are excluded.

Liability Coverage- it protects you if you are sued, or a claim is made against you for damages after someone gets injured on your property.

Personal Property Coverage- helps protect possessions inside your home, including furniture, stereos, bicycles, and much more. If the belongings are damaged or stolen outside of your home, this type of insurance could also help to refund them.

Dwelling [home structure] – protects your home’s physical structure, like the roof and walls.

Other Structures- offers protection to other physical structures on your premises that are different from your home. These structures can be things like a stand-alone garage or a shed.

Guest medical protection- covers the cost of medical bills for an individual who is injured while on your property.

Though not mandatory, you can also purchase an optional coverage such as the reimbursed living expenses insurance which covers increased living costs such as hotel stays and food in case your home becomes inhabitable following a covered loss.

When choosing a coverage policy for your home, it is helpful to know the common claims that homeowners in your area have filed. This way, you will know the kinds of risks your home could be susceptible to and choose the right coverage!

As a business owner myself, I can say this agency really knows what they’re doing. Competent and kind and I would ayone to them!

Bryan Anderson

I thought I would never find reasonable car insurance until I came across AB insurance and they by far had the best options AND really great agents.

Natalie Connelly

This insurance agency is wonderful. They took the time to review my current policies and coverages and made sure I was aware of ALL of my options and even saved me money! I will be a life long client for sure!

Camila Torres

God-fearing… God loving and honest! This is the type of company you want to work with. Their reputation is reflected in the manner with which they live out their own lives.

 

George Livanos

Mark’s comprehensive knowledge of the market, coupled with his calm, steady demeanor, made all the difference for me, when I was shopping for health insurance.

 

Michael Monroe

Mark made it possible for me to continue doing my artwork for a living by giving me an affordable option to my health insurance needs.

Edward Masrtin

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