The dream of owning a home is now a reality for you. You worked hard to become a homeowner and want to ensure that your home and the precious possessions housed in it are protected in the event of a loss with a personally tailored homeowners insurance plan.
What Is Homeowners Insurance?
A standard homeowners insurance policy insures your home’s structure and your belongings, should a destructive event occur, such as a fire, internal water damage, weather events or burglary/vandalism. This means that the coverage includes not only damage to your property, but everything from hazard coverage, personal property protection, liability protection – that is, legal responsibility — for any injuries and property damage to others, and more. Homeowners insurance is a normal requirement when there is a mortgage on the home or when applying for a home equity loan.
What Is The Cost Of Homeowner’s Insurance?
The cost of homeowners insurance depends on a number of factors, including the coverages you select and the features of your home. There may also be extra costs for additional coverage or increased coverage limits. An agent can help you choose the coverages that fit your unique needs and also help determine if you are eligible for any policy discounts or bundle options.
What Does Homeowners Insurance Cover?
Basic homeowner’s insurance policies typically cover:
- Your home
- Other structures on your property
- Personal property
- Living expenses
- Personal liability
While typical homeowners insurance offers coverage for damage caused by fires, lightning strikes, windstorms, and hail, it’s important to note that not all natural disasters are covered by a homeowners policy. Damages caused by hurricanes and floods require their own unique coverage — hurricane insurance and flood insurance.
Homeowners Insurance Coverage Limits
Most homeowners policies come with limits for the total costs that can be covered if your home is damaged. You may be able to adjust your coverage limits as needed or inquire about a personal Umbrella insurance policy for even better protection.
Get Homeowner’s Insurance Coverage From Atlas
As a homeowner, it is a necessity to have the best coverage for your family’s unique needs. Speak with our team today to learn more about our policy options and the coverage details that are right for you. Call us at (808) 400-6680 or request a quote online to get started!
Our Personal Insurance Services
Life’s twists and turns shouldn’t catch you off guard. Our personal insurance offerings are designed to provide you and your loved ones with comprehensive coverage:
Personal Auto Insurance
Tailored solutions to ensure your peace of mind while on the road.
Homeowners Insurance
Comprehensive protection for your most valuable asset.
Private Client Group Insurance
Offers a higher level of coverage and personalized service.
Renters Insurance
Our Renters Insurance provides the protection you need for your personal possessions.
Personal Umbrella Insurance
Our Personal Umbrella Insurance offers added protection against liability claims.
Watercraft Insurance
Coverage to ensure that your watercraft is protected.
Reach Out to Get Started
Ask a question or request a consultation, and we will respond to you in a timely manner.