Your home is your most significant investment. It’s where you spend most of your time, and all of your personal belongings live there. So you should protect it the way you protect anything valuable in your life, and we are here to help with that.
Most policies won’t include everything you need right off the bat. No two people are the same, no two homes are the same, and our policies help reflect that. At Collins Insurance Agency, we will work with you to determine appropriate risks and ensure that your coverage fits your needs.
Your home, lifestyle, and belongings will determine what coverage options you need. The coverage options most important to consider include:
- Fire
- Personal Property/Contents
- Property Damage
- Additional Living Expense/Loss of Use
- Jewelry, Fine Arts, and Collectibles
- Medical Expenses
- Personal Liability
- Personal Injury
- Umbrella
- Excess Liability Coverage
- Flood Coverage
- Secondary Home
- Collectible Cards
- Wine Collection
- Water Back-Up
- Off-Premises Theft
- Miscellaneous Coverage
While you may not need everything listed above, it’s essential to talk through each of these policy options with your insurance agent. For example, you may not think you need flood coverage because you don’t live in a high-risk neighborhood, but your agent can let you know that changing weather conditions and more damaging storms have led to higher claims in recent years. If your original policy doesn’t include flood coverage, you risk paying out-of-pocket for floor repairs, new appliances, mold remediation, personal property, and damage to belongings. Don’t let something trivial like this happen to you; the right coverage can help protect you.
Many homeowners don’t read into their miscellaneous coverage. They may think it covers anything that doesn’t fall into a predetermined category, but that is rarely the case. Trampolines, for example, are not covered under traditional miscellaneous policies. We can help line item your trampoline to cover and protect you if someone gets hurt on one in your yard. Many insurance providers exclude trampoline coverage from the policy unless explicitly stated.
As an independent insurance agency, we work with all of our clients one-on-one. Your home and belongings matter to you, and you matter to us. That’s why we will do everything in our power to create a homeowners insurance policy that keeps you, your home, and your belongings covered in the event of an emergency, damage, or liability claim. We will work with you to create the perfect plan for your specific needs, and we can continually update or adjust your policy to reflect changes in your life. For a homeowners insurance policy quote, call our office today.
We’re looking forward to helping you navigate the world of home insurance and protecting you in the event of damage or harm.
