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Homeowners Insurance


Homeowners Insurance Quote Forms

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Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Homeowners Insurance Information

Homeowners Insurance

Crime, accidents and severe weather are part of life, and every home experiences loss or damage of some kind, at some point. You can’t predict when you will experience a loss, but you can protect yourself financially. Where do you begin, and how can you compare homeowners insurance quotes when it seems every company offers something different?

An Insurance Station agent can compare rates for you so you can get on with enjoying your home and family. We can also answer any questions you may have about how to get the right homeowners insurance for your needs, including personal property coverage, liability and more.

What Does Homeowners Insurance Cover?

Broadly speaking, insurance covers you for potential loss resulting from risks such as burglary or theft, severe storms, fire and also your personal liability. The specific risks you may face as a home owner could include floods and earthquakes, which you must cover with separate policies, as these disasters are not included in home insurance.

Your home liability coverage protects you in the event that someone is injured on your premises or you are responsible for damage to someone else’s property. You homeowners insurance can even protect you against injury you cause to another person off-premises under certain circumstances. Note that liability insurance will not cover acts of violence or intentional damage.

Your liability insurance would also typically provide coverage if:
• Your child throws a baseball through the neighbor’s window
• Your dog bites a visitor to your home
• A visitor is injured on your backyard swing set or trampoline, or by falling on your icy sidewalk
• A dinner guest gets food poisoning and is hospitalized

If someone files a liability claim against you, your insurance can pay for property repairs, medical or funeral costs or even a lawsuit if the injured party chooses to launch a legal process.

When evaluating the amount of liability coverage that makes the most sense for you, be sure to fully discuss your limits and deductibles with your agent. Take time to understand your risks, and determine whether you will be well covered in various circumstances. In the event of a disaster, the costs of recovering can devastate household finances. Quality home insurance can make a difficult situation bearable and help you get your life back on track.

Making Sure Your Personal Belongings Are Covered

When choosing the amount of personal property coverage you want for your belongings, consider what it would cost to replace all of your personal items after a total loss from a fire. Many home owners assume that all of their belongings are fully covered until they experience a loss. Depending upon the type and amount of coverage in the policy, personal items may not be covered, or may only be covered up to a depreciated value. In most cases, this amount is far less than what it would cost to replace them.

The following steps can help you determine the value of your items and be prepared in the event that you need to file a claim:

• Compile an inventory of what you own, room by room.
• Take pictures of your belongings, particularly anything of high value.
• Keep receipts for all valuable items you purchase, including appliances.
• Record a replacement value for each item on your inventory.
• Go over this list with your insurance agent and determine whether you need to purchase additional coverage to be protected in the event of a loss.
• Place your inventory list, images and receipts in a secure place such as a fire safe.

These records will help you to complete the claims process more efficiently and accurately if you suffer a loss.

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