When a storm, fire or burglars threaten your home, you need an insurance policy that will not only give you peace of mind, but will restore what was lost. You need your claim settled by an insurance company that understands the value of your home and is committed to serving you. The Fite Agency will help you find a homeowner’s insurance policy that will completely meet your needs and provide the most valuable combination of tailored coverage, fair pricing and quality service.
Insurance for All Kinds of Homes
Depending on where you live, whether it’s a house, condominium or apartment, a quality 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.
Whether you own or rent, insuring the place you call home will provide you with financial protection if you suffer a loss due to fire, vandalism, theft, or any other covered events, and will cover you if someone is injured while on your property and wins a legal judgment against you.
Contact one of our helpful agents at The Fite Agency for more information today!
Each homeowner’s insurance policy differs by which losses are covered, which coverages are chosen, and what type of residence is covered. You have the option to choose which policy is best for you, whether you select a comprehensive policy that will cover losses such as fire, smoke, hail, falling objects, vandalism and theft of personal property, or whether you choose a policy that covers only certain losses.
The Fite Agency will help you find the right insurance for your home.
Whether you own or rent a home or condo, or are a landlord, The Fite Agency will work with you to find home insurance coverage that completely fits your needs. We make it easy to choose the right insurance coverage that will give you the best value for the best price.
Since home insurance policies are most often made up of specific options that are selected by the insured, how much you will pay for your policy depends on these factors:
1. Which options you select. Homeowners insurance options are often priced individually, so how much you will pay for your policy depends on what coverages you purchase.
2. How much you wish to cover. A higher deductible will usually lower your premium price by shifting a portion of the loss payment to you. For example, if you choose a $800 deductible, you would be responsible to pay the first $800 of the covered loss.
3. Where you place your limits. If appropriate to your situation and needs, you may opt to set higher limits than the amount that is recommended.
If you are concerned that you aren’t completely covered, consider selecting an umbrella insurance policy that will extend your coverage.
The Right Coverage. The Right Price. The Right Value.
The amount you will pay for homeowners insurance coverage depends on multiple factors. What is your current housing situation, and which assets do you want to protect?
Protection for Your Home
Property or Dwelling Coverage – If your home is damaged or destroyed by covered events such as a storm or fire, this coverage will pay for repairs or to rebuild your home.
Protection for You and Other People
Personal Liability Coverage — If someone is injured or their property is damaged and you are at fault, this coverage will protect you. This coverage typically applies anywhere in the world, providing you with valuable protection while you travel.
When you choose your liability coverage limits, it is key to consider things like what kind of assets you own and how much money you make. It is important that your personal liability coverage is high enough to protect your assets in the event that you are sued.
If any guests are injured while on your property (and in certain cases, if someone is injured off of your property) this coverage will take care of medical expenses. This option does not cover any health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay up to 24 months (on average) of additional living expenses while the damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
You can have peace of mind knowing that your personal possessions are covered if you experience a loss. Personal Property Insurance helps replace your personal belongings if they are lost, destroyed or stolen as a result of a covered loss.
Scheduled Personal Property Coverage
If you have any special possessions such as jewelry, collectibles, art or antiques, you may wish to talk to The Fite Agency about this additional coverage. This option provides broader coverage for specific items that you want to protect.
If You Rent Out Your Home
Don’t be blindsided by damage a tenant may cause to your property. Landlords may have the option to purchase optional liability coverage for the risks that are posed by tenant-occupied dwellings.
Tip: Make a detailed inventory of your home and personal items, and keep the list somewhere other than in your home. If it is possible, make a written list as well as take photos or video, because using two different inventory methods can help your claim be resolved much faster. Remember, your policy does not cover damages that are caused by neglectful or deferred maintenance on your part.
Every home is unique. Talk with us today to find out how you can get the best price and value on a homeowners insurance policy.