Homeowners Insurance
Homeowners Insurance-Peace of mind coverage for your most important asset
Being an informed consumer can do more than just help keep your premiums low - it can also help you make sure what you think is covered actually has insurance protection.
After all, your situation is unique and finding the right policy for you is important. You want to be fully informed, if you have to make a claim. We are here to help walk you through the basics of insurance and we need to know a little about you to quote a policy. Every homeowner has a unique situation that influences their decisions made while selecting a policy.
Imagine the worst thing that could happen to your home: a fire, a tornado, a meteor strike – it could. Allstate's comprehensive, personalized homeowners insurance helps protect your residence from fire, lightning, frozen plumbing, smoke, theft, explosions and other disasters.
Your Homeowners Insurance Policy Will Include:
- Home and Other Structure Protection (Covers your home's structure as well as adjacent structures like a detached garage)
- Personal Property Protection (Covers the loss or damage of your stuff) --Turn your house upside down and what falls out is considered personal property
- Family Liability Protection (Provides legal representation and protection against judgments)
- Guest Medical Protection (Covers medical costs for visitors injured at your home)
- Additional Living Expenses (Reimbursement for costs of temporary housing and expense during reconstruction of your home due to a covered loss). This policy will cover the reasonable increase in expense needed to maintain your normal standard of living for a certain amount of time. This may include payments for a hotel, food, and other expenses.
Your Situation As Unique as You Are
Your Homeowners Insurance Policy Will Include:
- Home and Other Structure Protection (Covers your home's structure as well as other structures)
- Personal Property Protection (Covers the loss or damage of your stuff)
- Family Liability Protection (Provides legal representation and protection against judgments)
- Guest Medical Protection (Covers medical costs for visitors injured at your home)
- Additional Living Expenses (Reimbursement for costs of temporary housing during reconstruction)
Discounts & Savings
There are a number of ways you may be able to save money on your premium:
- Multi-Line (Home + Auto) – Save up to 15% depending on the type of home and the state in which you live.
- Protective Devices – Save up to 15% depending on the combination of installed protective devices.
- Fire Resistive – Save up to 15% depending on the materials. New Home Buyer – 10% discount when insuring the home at time of purchase.
- Renovated Home – Save up to 6% depending on renovation to home's mechanical systems and structure.
- 55 or older and retired – Save 10-25% depending on the type of home.
Prefer to talk to an agent?
Call us anytime at
630-369-0759