PROTECTING YOUR SPACE
for the ones you love
Homeowners Insurance
If you’re like most homeowners, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.
Ross Insurance Brokers can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.
Homeowners insurance is vital to owning a home. Lenders require you to carry homeowners insurance to protect their investments, as well as yours.
What You Need to Know
Dwelling – Also known as your home, is considered the building at its core and is what will be covered in your homeowners insurance. It will pay for damages and/or total loss of your home in the event you have a loss.
Personal Contents – Covers ANYTHING in the dwelling, such as furniture, appliances, clothes, etc., if they are damaged, stolen, or lost in a claims situation.
Medical Payments Coverage – Covers medical bills for a person hurt on your property.
Liability Coverage – Protects your family from financial risk if they are found negligent or legally responsible for other parties injuries or damages while on your property.
Loss of Use – Covers payments for additional expenses incurred due to you being unable to reside in your residence due to a claim.
Endorsements & Additional Coverages
Here are a few other additional coverages you may want/need on your Homeowners insurance policy:
- Scheduled Jewelry/Fire Arms/Fine Arts, etc, Protection
- Extension to a Secondary Residence
- Identity Theft Coverage
- Water Back Up of Sewer or Drains
- Tree Removal Coverage
- Mold Limited Fungi Coverage
- Watercraft/Jet Ski Coverage Option, Often referred to as Toy insurance
- Business in the Home
Things to be aware of when purchasing your Homeowners Insurance policy:
- Estimated replacement cost – This is where we come in! We can help determine the minimum cost to replace your home. This is a key component in making sure you are adequately covered.
- Flood insurance coverage – not included
- Earthquake coverage – not included
- Fire insurance – not included
- Deductible – Pick a deductible that works for your family budget.
