Your home? It’s personal. A house is not only a major financial investment, but it is also the place where your family lives, loves, dreams, and forms long-lasting memories. There are plenty of hazards and perils that threaten homeowners’ properties, and all can strike in the blink of an eye. You’re smart, though; you know that home insurance is the first line of defense for what is probably your most important asset.
Green Bay Home Insurance Coverage
Green Bay area homeowners need a wide range of coverage. From extreme ice and snow to gale-force winds, anything can happen here in the Badger State. Having the right insurance means not worrying if a major disaster will threaten your family’s livelihood. At Brian Van De Hey Insurance, we want our customers to have coverage that safeguards against a wide range of financial loss. We work with several of the state’s reputable insurers to bring our customers policies that protect individual properties, personal belongings, and assets against disasters, theft, accidents, and legal liabilities.
Home insurance is a type of combination coverage that generally includes several different types of insurance combined into a single policy. These typically include:
Dwelling and Other Structures
This is coverage for the structure of your house, as well as any detached garages and other structures on your property. Dwelling insurance helps repair or rebuild your house if it is damaged or destroyed by a covered event, such as wind, hail, fire, and falling objects. If you have a mortgage on your home, your lender is likely to require you to carry this type of coverage.
This is coverage designed to replace the contents of your home. Take a home inventory to determine how much personal property insurance you might need if a fire destroyed all of your possessions. Personal property insurance covers most belongings, including electronics, jewelry, décor, furnishings, appliances, media, clothing, toys, and more. You may need to purchase an additional coverage rider for any specialty items, such as expensive art collections or business equipment you store in your home.
Additional Living Expenses
If you are displaced from your home after a covered event, this type of coverage helps pay for your temporary lodging, meals, laundry fees, and other living expenses.
If someone is injured on your property, you can be held financially liable for their medical bills, lost wages, and pain and suffering. Homeowners liability insurance helps cover your legal defense fees, as well as any judgments against you if a party guest trips over the crack in your sidewalk. Your liability insurance can also cover you for incidents occurring away from your home as a result of you, your pet, or a household member’s activities.
Custom-Tailored Coverage Just for You
You have many choices when it comes to home insurance. When you work with an independent agent, you are partnering with an insurance advocate who is committed to finding you the coverage you need at a price you can afford. Perhaps you need to add coverage for your home business. Maybe you want extra coverage for an expensive computer or family heirloom. We can walk you through your policy options and provide guidance when selecting coverage, such as when choosing between actual cash value and replacement value coverage.
Wisconsin Home Insurance Discounts
At Brian Van De Hey Insurance, we know our customers care just as must about savings as they do coverage. When it comes to your premiums, we go to work finding you the lowest quote on the coverage you need. Our team will search high and low for every possible discount, whether for implementing special safety features into your home, upgrading your electrical system, or simply bundling your home insurance with another line of coverage.
If you own a home in the De Pere or the greater Green Bay area, trust your independent agent to shop and compare rates on the insurance you need. Contact our office to request your free quote today. We look forward to serving you soon.
Other Home Insurance Related Posts…
- Hiring a Contractor – What Insurance Coverage Should You Require?
- Renting Your Home to Others
- 7 Tips to Prevent a Fire in Your Home
- Keeping Your Family Safe
- Insurance & Your Spring Project