HOMEOWNER INSURANCE
For The Assets You Cherish
Contact
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Landline: (227) 250 - 0009
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Licensed in MD, PA, NJ, VA, DE
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For Business Entities and Individuals
Homeowner Insurance
We strongly recommend homeowners insurance, which may be required by your mortgage lender. While it won’t cover routine maintenance, this insurance protects your home and belongings from unexpected damage. If your home is damaged, your belongings are stolen, or someone is injured on your property, homeowner insurance can help cover repairs, replacement, temporary housing, and legal fees.
Our team of professionals is here to provide you with tailored proposals, offering the flexibility to craft a policy that meets your needs at a competitive rate.
Right Coverage, Peace of Mind Claims
Homeowner insurance premiums vary due to factors such as inflation, ownership, location, coverage levels, claims history, and more. It's important to understand that premium comparisons with others, even neighbors, may not be accurate due to differing factors.
When comparing homeowner insurance options, the coverage amount is often the simplest factor to evaluate. However, it’s important to understand that coverage suitable for others may not necessarily meet your specific needs. The appropriate coverage for you should always align with the value of what you need to protect, such as the replacement cost of your dwelling, which can vary significantly from one house to another, and even for the same house over time.
Coverage
Typically the homeowner insurance helps cover followings:
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The Dwelling Structure (Dwelling coverage limit should be based on the cost of rebuilding your home, not the market value of the it)
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The Other Structure of Your House (e.g. swimming pool, detached garage, fence, or more)
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Personal Property (some high valued belongs might need to be scheduled)
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Additional Living Expense (when you cannot live in your home because of the loss covered)
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Personal Liability (some one is injured, or her/his belongs is damaged when you are liable)
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Medical Payment (for people who is not you, or not your house members)
Deductible in homeowner insurance is also in a wide range, which can also significantly impact premiums. So, you should always make sure your deductible is NOT so high that you'd struggle to pay before your insurance kicks in.