Homeowners Insurance

At Beach Insure, we know what an important and expensive investment your home is. That’s why we’re committed to making sure you and your home are properly protected with a great homeowners insurance policy. After all, an unexpected incident like a fire, theft or severe storm could happen at any time, and having the right insurance policy ensures that you are able to afford the repairs and replacements necessary to get your home back to its original state. Keep reading to find out more about homeowners insurance and how it can be customized to fit your needs. 

How Much Homeowners Insurance Should I Buy? 

There generally aren’t any requirements about the amount of homeowners insurance you should have, unless you have taken out a mortgage. Most lenders require that you have homeowners insurance before they approve a loan. Typically, they are looking for enough insurance to cover the replacement cost of your home. 

What Does Homeowners Insurance Cost? 

Many factors can influence the price of your home insurance. Some of these include the home’s location and value, your credit score and security features in the home (e.g., cameras, lights, security alarms). The most influential factors in the price of your homeowners insurance, however, are the types of coverage you choose. 

What Kind of Coverage Does Homeowners Insurance Offer? 

There are a wide variety of coverage options available to you that offer different benefits and protections. These include: 

• Possessions insurance—This type of coverage insures the items within your home. You can choose to only insure particularly expensive items like electronics and furniture, or you could expand your coverage to include things like clothes or books. You may also consider purchasing a scheduled items rider to cover your possessions further, depending on the value of the property you want to insure.
• Additional living expense protection—If a covered incident occurs that requires you to live away from your home for a while, this portion of your policy helps to cover living costs like food expenses and hotel bills until you can return to your home.
• Structure protection—This type of coverage protects the physical structure of your home. You are insured against damages from inclement weather, fires, theft and other incidents. You may also choose to insure other structures on your property that are not directly attached to your house, like fences, gazebos or carports.
• Liability coverage—This portion of your policy protects you from costs incurred by third-party injuries or property damages for which you are liable. This type of coverage usually covers incidents both on and off your property.

How To Get Homeowners Insurance 

At Beach Insure, we want to help you find a great policy that fits your specific needs. Give us a call today to speak one-on-one with an agent and explore your homeowners insurance options.