Insurance Services, Inc.
PERSONAL HOME
Protect your home
What is homeowner's insurance and why do I need it?
It is difficult to predict catastrophic event, but you yourself can hold protection against them well in advance. Homeowner's insurance, often simply referred to as home insurance, protects personal property by repairing or replacing your personal possessions if damaged or destroyed (for commercial property, please check out our business insurance page) as well as liability costs.
What should I know before purchasing homeowner's insurance?
You should determine the amount of coverage and more specifically the type of personal insurance you need -- believe it or not, there are many types of insurance beyond homeowner's that may be better suited for your specific needs. We recommend that you call us or fill out the form here so our professionals can evaluate the best plan for you at the most competitive rates. As an independent agency, we shop across insurance companies to find the best rate for you.
What is a deductible?
You should determine the amount of coverage and more specifically the type of personal insurance you need -- believe it or not, there are many types of insurance beyond homeowner's that may be better suited for your specific needs. We recommend that you call us or fill out the form here so our professionals can evaluate the best plan for you at the most competitive rates. As an independent agency, we shop across insurance companies to find the best rate for you.
How much insurance coverage do I need?
This depends on factors such as your home's location, your own financial circumstances and needs for financial protection, as well as your lender (e.g., for a mortgage, lenders often require you to purchase minimum; lenders may require you to cover at least the dwelling's replacement cost).* Moreover, insurance comprises of personal property and liability -- do you have enough to pay off a lawsuit? If your dog bites a
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*National Association of Insurance Commissioners
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