Your home is more than just a roof over your head, it holds the things you value and worked hard to acquire. It is also one of the biggest investments many of us make.
When it comes to keeping your home safe, Integrity First insurance professionals are here to evaluate your situation to help make sure your homeowners insurance policy will truly protect your family's financial security. We do not just represent one insurance company. We can match your situation with the insurance company that is right for you. We find our clients the right coverage at the right price.
Home Insurance Cost Savings
Your agent can help you qualify for a multi-policy discount when you combine your home insurance and your car insurance with the same insurance company. This is easy to do and simplifies your insurance. We will also identify other discounts to find the most value for the price on your home insurance policy. Often these discounts are available when your home is equipped with safety features, such as monitored theft and fire alarms, deadbolt locks, fire extinguishers, smoke detectors, and fire sprinkler systems.
Determining the Right Amount of Homeowners Insurance for Your Needs
In most cases, people do not know how much it would cost to rebuild their home and replace all of their personal belongings after a total loss. The prospect of calculating local building costs and creating a thorough inventory of all your possessions can seem overwhelming. As a result, home insurance has too often been based on assumptions—either a rough guess or a default percentage of the home's structural value. Your Integrity First agent can help you protect your investment by determining the correct amount of insurance you need to cover the following:
The Structure of Your Home
You need enough home insurance to cover the cost of rebuilding your home at current construction costs. This does not include the cost of the land, and you should not base your rebuilding costs on the actual price you paid for your home. Your Integrity First insurance agent can help you estimate the amount of home insurance you need based on current construction costs using estimation tools and calculators. An accurate estimate will help ensure your home insurance policy includes the proper coverage.
Your Personal Possessions
We will help you determine if you have enough coverage for your personal possessions, so you’ll be able to replace these items if they were stolen or destroyed by a disaster, such as a fire.
Additional Living Expenses
This coverage is for the cost of additional living expenses if your home is damaged and you must live elsewhere during repairs. This is an especially important feature of a standard homeowner’s insurance policy. This pays the additional costs of temporarily living away from your home if you cannot live in it due to a fire, severe storm, or other insured disaster. It covers hotel bills, restaurant meals, and other living expenses incurred while your home is being rebuilt.
Liability to Others
This part of your home insurance policy may cover you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for injuries to others caused by pets. This coverage will pay for both legal defense costs and any damages a court rules you must pay.
We look forward to discussing your personal homeowner’s insurance needs and tailoring a policy that offers protection at a great price.