Home Insurance
Your home is your most valuable asset. That’s why you need a home insurance policy to provide you with peace of mind as well as money to repair or replace your home and belongings.
We even insure apartments and condominiums!
Why do I need homeowners insurance?
Whether you own or rent, insuring your home can protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Home insurance can also protect you if someone is injured on your property and wins a legal judgment against you.
What are the different types of homeowners insurance?
Homeowners insurance policies differ by the coverages you choose and the type of residence you own or rent.
Types of home insurance policies include:
- Structural—covers damages to your home or dwelling
- Property—covers damages to items in or on your home or dwelling
- Liability Protection—covers your legal responsibilities for injuries or damages to other people or property
- Additional Living Expenses—covers cost for temporary housing, meals, etc., while your home is being restored or rebuilt
Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
How can I protect the things that matter to me?
Make an inventory of your home and personal belongings. If possible, take video or photos in addition to a list. Two inventory lists can help expedite the claim resolution process.
Keep your list somewhere other than your home.
Contact us to find out how to get the best value on homeowners insurance.
Safe & Secure Program
24/7 emergency service that will board up any windows or doors that have been damaged by weather, animals or unauthorized persons. Please call Horizon Restoration at (503) 620-2215 for this free service.
