Home Insurance

As your largest investment, it is important to make sure your home has the proper insurance coverages. We will protect your home and everything in it for the best price possible.

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So What’s Home Insurance All About?

Home insurance, sometimes referred to as hazard insurance or homeowner's insurance is a type of property insurance that covers a private residence. 

It is an insurance policy that combines various personal insurance protections, which includes losses that can occur to one's home, its contents, loss of use, or loss of other personal property of the homeowner. It also includes liability insurance for accidents that happen at the home or at the hands of the homeowner.

Here Are Some Typical Home Insurance Coverages

Section I — Property Coverages

• Coverage A – Dwelling
  Covers the value of the property itself (not including the land). Renter's insurance doesn’t have Coverage A, although it has additional coverages for improvements.
• Coverage B – Other Structures
  Covers other structure around the property that are not used for business. Examples would be a garage or shed.  It is typically limited at 10% of the Coverage A. So if your home’s coverage A is covered at $100,000, then your coverage B (other structure coverage) would be $10,000. Additional amounts are available by endorsement.
• Coverage C – Personal Property
  Covers personal property such as furniture, clothes and appliances.  Typically 50 to 70% of coverage A is provided for contents.
• Coverage D – Loss of Use/Additional Living Expenses
  Covers expenses associated with the loss of use of the property or the need for additional living expenses. An example of this would be if the home became uninhabitable due to a fire, the insured may require temporary lodging at a hotel while repairs are being made.
• Floods
  Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.

Section II — Liability Coverages

• Coverage E – Personal Liability
  Covers damages which the insured is legally liable for and provides a legal defense at the carriers own expense. About a third of the losses for this coverage are from dog bites.

A home is often a persons most valuable asset and therefore should be protected accordingly.  Homeowners insurance has a host of customizable coverage's than can be tailored to fit your situation and we have the expertise to find the right coverage's to assure your most important asset is adequately covered.

​Contact us to learn more about the right type of homeowners' insurance coverage for you.

(219) 980-2886​
5544 Broadway
Merrillville, IN 46410​
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