Your home is your most precious asset. If your home is damaged or destroyed, you need an insurance company that understands the value of your home, and can settle your claim without hassle. The Fite Agency can help you find the homeowner’s insurance policy that will fit your needs, and provides the best coverage and service for the best price.
Insurance for All Kinds of Homes
Whether you live in a house, apartment or condo, having the right home insurance policy will provide peace of mind and the money you may need to repair or replace your home and/or belongings. Contact the Fite Agency for more information today!
You are able to choose which homeowner’s insurance policy is best for you, whether it’s a comprehensive policy that covers losses such as hail, smoke, fire vandalism or theft of personal property, or a policy that covers only specified losses. Each homeowner’s policy differs according to which losses are covered, which coverage you choose, and the type of residence you own.
Whether you own your home, rent or are a landlord, insuring your residence will help protect you financially if you suffer a loss due to qualified events. Having homeowner’s insurance will also protect you if someone is injured while they are on your property and they win a legal judgment against you.
The Fite Agency is here to help you find the right insurance policy that will give you the coverage you need to feel secure. We make it easy for you to find insurance coverage that gives you the best value for the best price.
A typical home insurance policy is made up of specific options, so how much you’ll pay for your policy depends on these factors:
● What you select. How much you will pay for your policy often depends on which coverage you select.
● How much you want your policy to cover. Higher deductibles usually result in a lower premium price. For example, if you select a $500 deductible, you will be responsible for paying the first $500 of a covered loss.
● Where you set your limits. You have the option to set higher limits than the recommended amount.
● Are you worried you aren’t completely covered? Consider an umbrella insurance policy that will extend your coverage for broader protection.
The Right Coverage. The Right Price. The Right Value
The amount that you will pay for your homeowner’s insurance policy is dependent on a few different factors. As you evaluate which protections you need, consider the assets you wish to be covered and the risks of damage or injury that may affect you or others.
Protection for Your Home
Property or Dwelling Coverage usually pays for repairs or the rebuilding of your home if it’s damaged or destroyed by an qualified event like a fire or storm.
Protection for You and Other People
Personal Liability Coverage protects you if you injure someone’s property or person. This coverage typically extends anywhere in the world.
When considering which liability coverage limits to chooser, consider how much money you make and the assets you own. It is wise to have your personal liability coverage be high enough to protect your assets in the event that you are sued.
Medical Coverage covers medical expenses for guests if they are injured on your property, and in certain cases, will cover the medical expenses for people who may be injured off of your property. This coverage does not include any healthcare costs for you or other members of your household.
Additional Living Expenses
If you are not able to live in your home because of damage or other qualified events, your home insurance policy will pay additional living expenses—typically for up to 24 months—while the damage is reviewed and your home is rebuilt or repaired.
Protection for Your Belongings
Personal Property Insurance helps replace personal items such as clothing, electronics and other personal possessions if they are lost, destroyed or stolen.
Scheduled Personal Property Coverage
This coverage provides broader protection for specific items such as antiques, art, jewelry, collectibles and other valuable articles.
If You Rent Out Your Home
If you are a landlord, you are likely aware of the risks that accompany renting out your property. This optional liability coverage will help protect landlords from any damages to tenant-occupied dwellings.
Whether you rent or own, it is smart to make an inventory of your home and personal belongings. If possible, make a written list AND take photos or video, and keep the inventory information somewhere other than in your house. Using two inventory methods can help expedite and reduce the hassle of a claim. It is important to keep in mind that your policy doesn’t cover damages that are caused by poor or deferred maintenance on your part.
Your home’s insurance needs are unique, and we can help you find a policy that is tailored to your needs – talk to us today to find out how you can get the best price and value on homeowner’s insurance.