Think of homeowners insurance as an umbrella, a roof, and a safety net . . . all protecting you, your family, and your home. A good homeowners insurance policy provides financial protection against disasters. A standard policy insures the home itself and the important things you keep in it.
Because everyone's needs are not the same, it is best to consult a friendly agent like Paul Hunter, CLU, ChFC, CASL to help assess your needs and find the insurance policy that fits your needs. Give him a call at (253) 838-4902.
Homeowners insurance is a package policy. This means that it covers both damage to property and liability or legal responsibility for any injuries and property damage you, members of your family or even pets might cause to other people.
Damage caused by many disasters is covered but there are exceptions. The most significant disasters not covered are damage caused by floods, earthquakes and poor maintenance. You must buy separate policies for both flood and earthquake coverage. Amy maintenance-related problems are the homeowners' responsibility. This means that can't just ignore maintenance because you have insurance.
Homeowners Insurance - Request for Information
Tell us about yourself and what your homeowner insurance needs are. What can Paul Hunter help you with? You may use our simple form or email Paul directly.
Top Ten Questions People Ask About Homeowners Insurance
Most people don't have a clue about homeowners insurance . . . even those who have it. Here are the top ten questions people ask about homeowners insurance:
Who should buy this type of coverage?
What's the difference between "actual cash value" and "replacement cost?"
What are the coverage limits in the standard homeowners policy?
When is my personal property covered?
How do I get earthquake insurance added to my policy?
What factors should I consider when purchasing homeowners insurance?
What is the difference between "all risks" and "named perils?"
Is it possible to lower the cost of my homeowners insurance?
What do I do if I have an accident under my homeowners policy?
Who pays legal costs if I am sued?
For the answers to the questions above, please call Paul Hunter at (253) 838-4902.
"An insurance policy should be like a couch cushion . . . it shouldn't be so delicate you're afraid to use it, but it should be able to protect your bottom . . . line . . . when you need it."
-- Justin Tyme
