Homeowners Insurance Information
Home Insurance for Individuals and Families in Orem, Salt Lake City, Provo, Las Vegas, Draper and Hesperia
It is crucial as a homeowner to protect your home with the rightinsurance policy
. Home insurance can provide compensation in case your home or personal belongings are damaged or lost due to an accident or disaster.
The insurance professionals at Advance Insurance are dedicated to providing homeowners and their families with insurance to protect their home from the unexpected. We will help evaluate your home’s risks and provide the coverage you need.
What is Covered Under Home Insurance?
A basichome insurance policy
covers four main areas:
Personal general liability underhome insurance
covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.
How is Home Insurance Calculated?
Home insurance premiums are primarily based on how at risk you are of filing a claim. The more likely you are to file a claim, the more you may pay for home insurance. Factors that may influence your risk include your location, value of the home, credit score, claims history, coverage limits and more.
Protect Your Home
Protect your home with the policy it needs at a price you deserve. Call Advance Insurance at801-226-1100 or fill out anonline quote formto get started today.
Common Home Insurance Questions
How Far in Advance Can I Buy Home Insurance?
In general, you should purchase home insurance by the time you sign to purchase the house and before you move in. This ensures you will be covered by the time you pick up the keys.
How Much Does Home Insurance Cost?
Home insurance premiums vary depending on your location, coverage limits and several other factors. Fill out an online quote form to find out how much you can save on home insurance.
Why is Home Insurance Important?
Home insurance is crucial for protecting your home and everything inside. Without home insurance, you could face expensive damages and lawsuits all out of pocket out of an accident or disaster. Home insurance helps you bear the brunt of these expenses so you can recover and move on quickly.