Homeowner’s Insurance
The Best Combination of Price and Coverage.
Homeowner's Insurance Tailored Specifically to You.
Whether you need ……., we are here to provide the correct homeowner’s insurance package that is specific to you.
What Does All This Mean? Let Us Explain.
Tell me why!
The name of your home insurance policy used to be “fire insurance,” but that doesn’t give this coverage full credit! A homeowner’s insurance policy covers so much more than just losses resulting from fires. It protects you from a variety of risks, including natural disasters and accidental damages to your property, as well as losses resulting from them!
When you’re looking to protect your home, it’s essential that the insurance policy covers everything. Our Homeowner’s Insurance policies are designed for this very purpose, so there will never be any surprises when disaster strikes and cover:
- Your Residence
- Detached structures (garages, workshops, sheds, fences, dog kennels, etc.
- Your Belongings, including when you’re away from home
- Living expenses
- Personal Liability
- Medical Expenses
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The Two Types of Coverage for Home Insurance
There two types of coverage for your possessions under your Homeowner’s Insurance policy, Actual Cash Value, and Replacement Cost.Â
- Actual Cash Value means that you can get paid out based on what it would have originally cost if they were destroyed or damaged but not both at once;Â
- With Replacement Cost Coverage, the insurance company will cover your loss up to a maximum dollar amount. This is better for you as a homeowner because it covers all of the cost of replacing property that has been damaged or stolen from an event such as a fire.
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It is important to insure your home appropriately and ensure that you have enough coverage to rebuild your home if it gets completely destroyed. A good rule of thumb for getting a handle on how much protection is right for you is that the limit should equal what it would cost to replace everything from floors and windows up – including materials and labor costs!
The replacement value is calculated on a “cost per square foot” basis: take the square footage of your house and multiply it by an average cost for buildings in that area. Your insurance agent should be able to help you calculate the replacement value.
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Special Report
Scheduled Personal Property
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Homeowner's Insurance FAQ's
Should I add an umbrella policy?
Umbrella insurance is additional personal liability coverage that can offer an additional layer of protection beyond what your homeowner’s insurance can provide. If you or
What are deductibles and policy limits?
A deductible is the amount of a covered claim that is your responsibility. And a policy limit (or “limit of liability”) is the maximum amount
Does my policy cover items in my home, or just the structure?
Dwelling coverage helps protect the home itself, personal property coverage can protect what’s in it. Both coverages are required on most homeowners policies.
How much personal property coverage do I need?
Personal property coverage (Coverage C) is required on all homeowners policies. It pays to repair or replace personal items in your home like furniture, clothing
Are you required to have homeowners insurance?
Are you required to have homeowners insurance? Although homeowners insurance is not required by law, it is almost always required by lenders. This makes sense
What is loss of use coverage?
Loss of use coverage (Coverage D) helps you pay for temporary housing and living expenses if you and your family have to move out of
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Our goal is to stand up for and give back to our community. We cherish the relationships that we have developed with local non-profits such as the Sam Day Foundation, Everybody Athletics, Embrace Oregon and Friends of Baseball.
If you know of another local, community cause, please let us know!
Local.
Did we mention we are just around the corner here in Beaverton, Oregon? Come visit us at our office or give us a call at 503-649-5679 and we will review all the options with you!
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