Home Insurance

Homeowners Insurance

There’s a reason they say Home is where the heart is. Your home is more than an investment. It’s the place you eat, sleep, work and play. It’s where you gather with friends, and spend time with family. In short, it’s where your LIFE is. Unfortunately, homes are also vulnerable to anything from Mother Nature’s wrath to a burglar’s whims.

But your wallet doesn’t have to take a hit if your four walls do. Quality home insurance coverage can protect you financially if your home — or anything inside it — is damaged.

But which policy should you choose? Because everyone’s needs are not the same, it is best to consult with the experienced agents at Fleming & Riles Insurance to help assess your needs and find the insurance policy that is right for you and your home.

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Homeowners Insurance

There’s a reason they say Home is where the heart is. Your home is more than an investment. It’s the place you eat, sleep, work and play. It’s where you gather with friends, and spend time with family. In short, it’s where your LIFE is. Unfortunately, homes are also vulnerable to anything from Mother Nature’s wrath to a burglar’s whims.

But your wallet doesn’t have to take a hit if your four walls do. Quality home insurance coverage can protect you financially if your home — or anything inside it — is damaged.

But which policy should you choose? Because everyone’s needs are not the same, it is best to consult with the experienced agents at Fleming & Riles Insurance to help assess your needs and find the insurance policy that is right for you and your home.

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Types of Claims & Cause of Damage

What Is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Why Do You Need Homeowners Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

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DAMAGE

If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.

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LIABILITY

If a guest in your home is injured, liability protection and medical coverage help pay expenses.

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THEFT

If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

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LENDERS

If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

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Renters Insurance

Renters insurance helps make sure you, your guests, and your belongings are protected in your rented home. While your landlord might have insurance, it only protects the building. You, your belongings, and your guests are not covered under those policies.

Renters Insurance

Renters insurance helps make sure you, your guests, and your belongings are protected in your rented home. While your landlord might have insurance, it only protects the building. You, your belongings, and your guests are not covered under those policies.

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What Is Renters Insurance?

Renters Insurance is a contract between you and an insurance company, where the insurer will help to pay the tab if you, a visitor or your personal possessions get damaged due to any number of causes.

Unlike homeowners’ insurance, which is required by most mortgage lenders, purchasing renters’ insurance is often up to you. In some cases, though, a landlord may require it. 

Why Do You Need Renters Insurance?

While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.

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PERSONAL PROPERTY

Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

 

However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

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LIABILITY

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

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ADDITIONAL LIVING EXPENSES

Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can’t live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

We Simplify the Search

Fleming & Riles agents simplify the search process of finding just the right home or renters insurance for you. We’ll walk you through the policy options and work with you one-on-one to evaluate your risks and help you decide which plans will best fit your budget and unique needs. We’ll shop and compare policies from multiple insurance carriers until we find awesome protection at the best possible price.

Call Today To Start Your Quote!