Homeowners in Clear Lake are proud of their houses, and rightfully so. As local residents ourselves, we here at Lillie-Couch Insurance know how much money and work goes into purchasing and maintaining a beautiful home. Whether you are just starting out or have lived in the same home for many years, you need insurance that protects your investment.
What’s Covered?
You know you need home insurance – your lender may even require it. However, not all insurance policies are created equally. In fact, home insurance is highly personalized protection that is typically made up of several different types of coverage. Your home insurance policy is likely to include coverage for:
Dwelling
This protects the composition of your home and any other buildings or structures on your property, such as detached garages and fences. This type of property insurance protects against a wide range of events, including those stemming from inclement weather, falling objects, fires, explosions, theft, vandalism, and more. Damage caused by some perils, such as floods, are typically excluded, so speak with your agent if you desire supplemental protection.
Possessions
Your house cost a lot, but so did the things inside of it. Whatever you fill your home with from appliances and furnishings, to clothes, toys, and textiles, make sure it is protected within the limitations of your home insurance policy. Creating a home inventory can help you determine how much coverage to purchase. You will have the choice of insuring your belongings for their new replacement value or their actual cash value. Keep in mind that you may need to purchase extra protection for your valuables, as the standard coverage included on your policy may not be enough to cover high-value items.
Emergency Living Expenses
If calamity strikes, something as simple as a warm meal and a place to lay your head can feel like a welcome respite. Emergency living expense coverage helps pay for a hotel, restaurant meals, laundry expenses and more while you are waiting for your home to be repaired.
Liability
What do you own that could be at risk if you were sued? From your savings accounts and income to your boat or investments, all of it could be on the line if someone is injured on your property. Homeowners liability insurance helps cover your legal fees, as well as the injuries and property damage you, your pet, or someone in your household causes to another person. Additional back-up umbrella insurance may also be available if the liability limits on your homeowners policy are not enough to protect your assets.
WI Home Insurance Quotes
Shopping for quotes on home insurance does not have to be a frustrating process. You can easily compare rates from multiple providers by using the services of a single, trusted, independent agent.
Homeowners Insurance Discounts
We believe it should be affordable to protect your home. Our goal is to help you uncover money-saving discounts that will allow you to spend less on insurance and more on the home you love. Examples of common home insurance discounts include:
Multi-policy discounts
When you purchase more than one type of insurance coverage from the same insurer
Home safety discounts
When you install important safety features, such as a monitored alarm or fire detectors
Claims-free discounts
When you have no history of recent claims
Discounts for upgrades
When you install a stronger roof, electrical system or other disaster-resistant structural component
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Don’t spend more for home insurance than you have to. Call us today to find out how much we can save you on the coverage you need.
