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Homeowner Insurance

from PowerSports Insurance Agency

Homeowner Insurance

Buying and maintaining a home is not an easy or inexpensive task. Making sure you have the right coverage to protect not only your investment but also the ones you love most, is very important. With our wide range of carriers, we will find the best coverage at the best rate possible.

A standard homeowners insurance policy will cover the following aspects of your home:

  • Other structures that are detached, such as garages, sheds and fences.
  • Your personal belongings, including furniture, clothes, electronics, etc.
  • Liability coverage, for injuries to others or damage to property caused by your family.
  • Additional living expenses you have when living outside of your home while it’s being restored.

What type of coverage is best for me?

Let the helpful and experienced agents at PowerSports Insurance Agency help you find personalized coverage for your home.

The cost to rebuild your home. In the terms of your home insurance policy, your “dwelling” means the entire structure of your home and any connected structures such as an attached garage or cellar. In the event your home is damaged by a covered loss, this will help to cover repairs or any rebuilding that needs to take place as a result. If your home does experience a covered loss, the dwelling portion of your policy will pay to rebuild the structure of your home. The cost to rebuild is usually higher than the current market value, thus making the market value of your home not the most accurate indicator of the cost to rebuild. This is due to the current cost of raw materials, changes in building codes, and special measures that must be taken in order to prevent further damage to the property. Additionally, the cost of labor and building materials increases sharply when an event such as a natural disaster causes widespread damage.

Coverage for your personal belongings. Our homes are filled with more than just objects. Our personal belongings are not only sentimental to us, but hold irreplaceable memories, as well. Your clothes, furniture and other objects within your home are covered under this part of your policy. This part of your homeowner’s policy can cover your belongings anywhere in the world. Expensive jewelry, watches or furs can also be covered with an endorsement, though dollar limits are typically set. Talk with your PowerSports Insurance agent about the options that are right for you.

Liability coverage. Protects any property damage or bodily harm caused by you or members of your family. Liability coverage may cover damage costs associated with bodily injuries sustained by guests on your property and other covered expenses that arise as a result of negligence. This could include the individual’s medical bills, loss of income, pain and suffering and more. It could also cover your legal defense costs in the event of a dispute.

Additional living expenses. Life can be costly, especially when you are living outside of your home due to an unexpected accident or natural disaster. This part of your homeowner’s policy covers hotel bills, food at restaurants, and any other expenses you suffer while your home is being repaired or rebuilt.

Replacement Cost Coverage. A standard homeowner’s policy will replace your home’s contents at their actual cash value at the time of the loss. Replacement cost coverage ensures that your property will be replaced without a deduction for depreciation.

We’re always here to help.

When it comes to protecting one of your most important investments, here at PowerSports Insurance Agency, our dedicated agents are here to find a policy to fit your needs. We have access to insurance carriers nationwide. Contact us today and let us construct a policy that meets your needs and fits your budget!