Everyone needs a form of Home Insurance. Homeowners Insurance is a type of property insurance. This will protect your home from both damages and any losses that are experienced. This kind of insurance will also give you liability protection on accidents inside your house and on your property.
Homeowners Insurance covers:
- fire and smoke damage
- storm damage
- roof damage
- damage caused by motor vehicle
The difference between a home owner and a condo owner policy is that the owner of the condo does not own the building they are in. The association that owns the building will insure accidents that happen on the property and in common areas but they might not repair the inside of the building after an accident and they will not cover stolen goods. This is why it is a good idea to get your condo insured.
Condo Insurance covers:
- damage to the interior of your condo
- injuries to persons on your property
You may have heard that you do not need insurance because your landlord’s insurance covers the building. While that is true, the meaning may be different that you think. Their policy will cover the building itself, and nothing more. Your property is not protected and injuries you sustain while on the property are not covered. That is why you need Renters Insurance. Your insurance would cover fire damage, lightning damage, theft, injuries on the property, items in your vehicle, and costs of being forced out of your home.
For most of us, our home is the single largest investment we’ll ever make. As careful as we are we can’t prevent storms or other natural disasters. Unfortunately, sometimes a fire just can’t be stopped in time, and we cannot see a major flood coming. Knowing this, we must do what we can to reduce our chances of loss; yet, truth be known, losses to homes do and will occur. When these losses happen, a call to the Insurance Agent is usually one of the first three telephone calls made. Who do you want on the other end of that phone call in your time of need? In our office it is often said that, We want you to be covered correctly, in case of a tragedy, just as much as you yourself want to be covered correctly.
Here at Harmon – McClintic Insurance we can help put things back together, the way they were before the loss even happened. There are several options that can be included in a Home Policy. We fully believe no two homes are so alike that all policies should be the same. Come in or call in today and let our experts work for you, we will customize a policy that will fit you best. Let Harmon – McClintic Insurance help you get the coverage you feel is necessary to ensure your property gets replaced if a loss ever occurs.
Discounts are available at Harmon – McClintic Insurance for mature homeowners, those with newer roofs and those who also insure their autos with us.