Homeowners Insurance Quote Forms
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Homeowners Insurance Information
To buy a home is to make a significant investment, and whether you are buying a starter home or starting to build your dream home, you need to recognize that is one of the most valuable assets that you will ever own. To safeguard that investment, you will need quality, customized home insurance.
It doesn’t have to be hard to insure your home, but you must do so with care and attention to detail. Homeowners insurance must match the needs of the homeowner, but you can achieve the perfect solution with the help of one of the dedicated agents at Keats Insurance. We are a full-service agency that is dedicated to exceeding the expectations of every client, so that they can know that their personal insurance needs are always met affordably.
Call us at (800) 871-1992 or request your free quote online now!
Common Homeowners Insurance Questions
Why is home insurance important?
You want to maintain your property and standard of living no matter what type of homes you live in throughout your life. After all, it is the place that you feel safe, secure and content.
Unfortunately, however, the fact of the matter is that you can’t make yourself 100% safe in your home. There is always a chance that a hazardous event like a fire, weather disaster, lawsuit or other problem could arise. If it ever does, then you deserve the financial assistance that could be available within your homeowners insurance benefits. Your plan is there to help you when the going gets tough, so that you can come out of life’s challenges knowing that you can recover from them.
What is covered under home insurance?
All homes and properties have a unique set of assets and liabilities that need to be insured, which is why you must buy a homeowners policy that is tailored to your unique needs.
We can insure homes of all shapes and sizes, including condominiums, rental properties, mobile homes and high-value homes. Necessary benefits include:
Structure Protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached Structures Coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions Insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability Coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Still, because your individual home is unique, you will often need specialty coverage endorsements and supplementary policies, such as:
How far in advance can I buy home insurance?
Your goal is to have as homeowners insurance from the day that you take possession of a new home. Generally, you will have to purchase a plan if you plan to finance your home, as most mortgage lenders require coverage before they will approve the financing. Our agents will work with you to expediently put the appropriate benefits in place so that you never have any delays in the closing process.
How much does home insurance cost?
Our commitment is to help you customize your plan to your advantage with the appropriate coverage limits, deductibles and other benefits that will maximize the assistance you can receive from your policy, without breaking your budget. Though all homeowners policies vary in price based on numerous factors, your agent can ensure that your receive both value and savings out of your policy.