What you need to know about Home Insurance
Home Insurance can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Home insurance can also provide coverage in the event someone is injured while on your property and wins a legal judgment against you. Home Insurance policies differ by which losses are covered, which coverage you choose, and what type of residence you own.
We’ll help you find the right Homeowners Insurance coverage
Greene Insurance Group will assist you in finding a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price. Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
- What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverage you buy.
- How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried your assets aren’t completely covered? Consider a personal umbrella insurance policy that extends coverage from your auto and home insurance.
The Right Coverage. The Right Price. The Right Value.
The amount you pay for your Buckeye homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
Guest Medical Coverage
Guest medical coverage provides coverage for medical expenses if guests are injured on your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you are unable to live in your home because of a covered loss, your home insurance policy will pay additional living expenses while the damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance replaces these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you’ll want to discuss this with your agent. There are riders available to provide broader coverage and limits for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
Homeowners – Protect the Things that Matter to You with Buckeye Home Insurance
We encourage our clients to prepare an inventory of your home and personal belongings. If possible, make a list as well as take photos or video. Being prepared in case of an emergency claim situation can help the claims adjuster expedite the claim resolution process. It is important to remember to maintain this list somewhere other than in your home. You could even email yourself with the records for safekeeping. Bear in mind that your policy doesn’t cover damages caused by poor or deferred maintenance. Every home is unique, so talk with the insurance professionals at our agency for assistance with finding best insurance prices and value.