Your home is not only the center of your daily activities, relaxation and family time, but it is likely one of your biggest assets. If your home is damaged or destroyed, you need to feel confident that your insurance agency understands the value of your home and will do everything they can to restore what was lost.
At the Fite Agency, we understand the financial and emotional value of your assets, and will help you find the homeowner’s insurance that will not only completely meet your needs, but will provide the best combination of tailored coverage, fair pricing and quality service.
Insurance for All Kinds of Homes
Whether you live in a house, apartment or condo, having the right home insurance policy will provide you with peace of mind as well as the money you need to replace or repair your home and/or belongings. Contact us for a quote or more information today!
Whether you own or rent, insuring the place you call home will protect you financially if you suffer a loss due to theft, vandalism, storm damage, fire, or other qualified events. Additionally, homeowner’s insurance will also provide you with critical protection in the event someone is injured while they are on your property and they win a legal judgment against you.
Homeowners policies vary according to which losses are covered, the type of residence you own and which coverage you choose. You are able to select which policy and coverage are best for you, whether you choose a comprehensive policy that covers losses such as storm damage, fire, smoke, falling objects, theft of personal property and vandalism, or a policy that covers only specified losses.
The Fite Agency is here to help you find just the right homeowner’s insurance policy you need.
At the Fite Agency, we specialize in helping homeowners, renters and landlords find policies that will provide them with the best protection, and we will work with you to find coverage that fits your needs. We will simplify the process for you and walk you through the selection process so that you can feel confident that you are getting the best coverage for the best price.
Home insurance policies are typically unique and made up of the specific options a policyholder chooses, so how much you will pay for your policy depends on:
● What you select. How much you will pay for your policy depends on which coverages you select.
● Which deductible amount you choose. If you opt to pay a higher deductible, your premium payment will likely be decreased. If you choose a $500 deductible, you would be responsible to pay the first $500 of the covered loss amount.
● Where you set your limits. You can set higher limits than the recommended amount if it is appropriate to your unique situation and needs.
● Are you worried that you aren’t completely covered? Umbrella insurance policies will extend your coverage and provide you with extra security.
The Right Coverage. The Right Price. The Right Value.
The amount that you will pay for homeowners insurance depends on multiple factors, including your housing situation and the assets you want to protect. Call us today to discuss your options.
Protection for Your Home
Property or Dwelling Coverage usually pays to rebuild or repair your home if it’s damaged or destroyed by a covered event such as a kitchen fire or storm.
Protection for You and Other People
Personal Liability Coverage will protect you if someone is injured or their personal property is damaged and you are at fault. This coverage usually applies anywhere in the world, providing you with protection even while you travel.
It is crucial that your personal liability coverage be high enough to protect your assets in the event that you are sued. When you choose your liability coverage limits, it is important to consider things like what kind of assets you own and how much money you make.
Medical Coverage
If guests are injured on your property (and in certain cases, if someone is injured off of your property) this will provide coverage for medical expenses. This does not cover any health care costs for yourself or other members of your household.
Additional Living Expenses
If you cannot live in your home because of a qualified event, your home insurance policy will provide additional living expenses—typically for up to 24 months—while the damage is assessed and your home is rebuilt or repaired.
Protection for Your Belongings
Your home is not the only asset that is important to you. If you have items such as furniture, clothes, electronics and other items that are lost, stolen, damaged or destroyed as a result of a qualified loss, Personal Property Insurance will help replace these items.
Scheduled Personal Property Coverage
If you have any special articles in your possession such as jewelry, antiques, art or collectibles, you may wish to talk with an agent at the Fite Agency about this additional coverage, which provides you with broader personal property protection.
If You Rent Out Your Home
Landlords understand the risks of renting to tenants, and need coverage in the event that their property is damaged or destroyed. Landlords may have the option to buy liability coverage for the risks that are posed by leasing a tenant-occupied dwelling.
If you are a property owner, it is wise to make an inventory of your household and personal belongings. Make a written list as well as take photos or video, because using two different inventory methods can help expedite a claim resolution process. Make sure to store the list somewhere other than the residence in question. It is important to remember that if damage is caused by poor or deferred maintenance on your part, your policy will not cover these damages.
Talk to us today to find out how to get the best value, price and service on homeowners insurance.
