Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Information
Understanding homeowners insurance is essential for every homeowner. It is a vital safety net, shielding homeowners from devastating financial losses in unexpected disasters or accidents. Without it, homeowners would have to pay for costly incidents out of pocket.
What Does Home Insurance Cover?
The following are the most common coverage options included in a homeowners insurance policy:
- Dwelling coverage may help cover the structure of your home itself, including the walls, roof, foundation and other built-in structures, in case of damage or destruction caused by covered perils.
- Other structures coverage extends to structures on your property that are not attached to your home, such as a shed or fence.
- Personal property coverage may help cover your personal belongings, including furniture, appliances, clothing, electronics and other items, in case of damage, theft or loss.
- Liability coverage may help provide financial protection if someone is injured on your property or if you cause damage to someone else’s property. It may cover medical expenses, legal fees and potential lawsuits up to the policy’s limit.
- Additional living expenses may help with temporary accommodation, meals and other living expenses if your home becomes uninhabitable due to covered damage.
How Much Does Home Insurance Cost?
The following are several factors that insurance companies may consider when determining the premium for a homeowners insurance policy:
- Property value
- Geographic location
- The cost to rebuild or replace your home
- Home features and condition
- Coverage limits and options
- Your claims history
- Your credit score
It’s best to contact insurance providers with detailed information about your home and discuss your coverage needs to get an accurate estimate for your home insurance premium.
How Much Home Insurance Do I Need?
Contact Saunders Insurance Agency
to discuss your homeowners insurance. We can make coverage recommendations based on your specific property.