A home insurance policy can protect your property, some of your personal possessions and you.Home is a place to relax. So, when you get home and let your guard down, we step up. Providing protection when and where you need it most. We are proud to offer dependable home insurance policies. Get a homeowners quote online to start protecting your home, belongings and peace of mind.
While the law does not say you must carry home insurance, your Mortgage company will! If you do not carry it, they may force-place coverage on it for you. (you do not want that!)
There are two main parts to a home policy: Property and Liability. The main part of the property portion is called Coverage A, or the Dwelling coverage. This is the part that will be used to rebuild the home.
When you first start this policy, your agent will do a Replacement Cost Estimator to determine who much insurance to put on the home. This is not EXACT but it is close enough as the policy probably comes with a buffer.
Remember, the Goal of any homeowners policy is to put you back they way you were BEFORE the loss. The policy is going to pay to have a contactor rebuild the damaged home, not to buy you the one just like it down the street.