Homeowners Insurance

Homeowner’s insurance provides coverage in the event of damage to your property, as well as liability for injuries and damage to other people who are harmed while on your property. Homeowners insurance policies provide broad coverage for losses to your home, your personal belongings, and also for detached structures on your property.

While homeowners insurance is comprehensive coverage, there are some things it does not cover. That’s why we take the time to get to know our clients and understand their needs. We then craft a comprehensive risk management program customized for them.

Homeowners Insurance Program Highlights

Your home should be insured for an amount based on the replacement cost value of your property. Replacement cost is what it would cost today to rebuild your house in the event of a loss. It is based on current building codes. There usually is a deductible, which is an amount you would be responsible for before the policy starts to pay out.

Personal property policies automatically provide a separate amount to cover your personal belongings; however, there is a deductible. We suggest our clients create a home inventory. In the event of a claim, it will make it much easier both to document your loss and to process your claim.

Personal Liability protects you in the event of injury to another person. You are legally responsible for an injury to a guest on your property or for damage you cause to another person’s property.

**Other detached structures **such as sheds, garages, or fences are protected by basic coverage. There are specific limits on the amount of coverage available for these types of structures depending on the amount of coverage for the home itself.

Loss of use of home is covered. If your home were to become uninhabitable, your policy can provide valuable benefits to help you with additional living expenses.

Contact us and one of our Heritage Group specialists will be happy to assist you. We take the time to fully understand your unique situation in order to provide you with an insurance program that meets your specific needs.