If you have tangible assets, you need the protection of a homeowners
policy. These policies cover you in a home or an apartment, whether you
are an owner or a renter. A well-written homeowners policy will pay to
replace any of your personal property that is destroyed in a fire or other
disaster. The policy will also be your first line of defense against a
lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
Homeowners Insurance Quote Request
Please take a moment to fill out the form below and one of our local insurance agents will contact you with a free, no-obligation quote. This information will be kept confidential and will be used for quote purposes only.
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