Home Insurance

Protecting Your Home

Your home is more than just a residence; it’s a safe place, a foundation for your future, and likely one of your most treasured possessions. The protection of your home is essential. When your home is damaged, your claim should be settled by an insurance company that understands your home is more than just a house.

At Carriage Insurance, we aim to help you find the best homeowners insurance to fit your specific needs while providing the most worthwhile combination of quality service, fair pricing, and coverage that applies to your unique situation.

Insurance for All Kinds of New Homes

Insurance tailored to your specific type of home - whether it be a house, apartment, or condominium - can help ease your mind and grant you the amount of money needed to repair or replace your home and/or belongings. Carriage Insurance is here to help you find the best policy for your needs. Contact us for more information today!

What to Know About Home Owners Insurance

Financial protection from loss is important regardless of whether you own or rent your home. Homeowners insurance protects you from losses such as fire, theft, vandalism, or more (depending on your type of coverage). It will also cover you if someone is injured while on your property and wins a legal judgment against you.

Insurance differs by the losses covered in your policy, the type of coverage you choose, and the type of residence you own or rent. You choose the best policy for your needs, whether it be a comprehensive policy that covers multiple different losses, or a policy only covering specified losses. Carriage Insurance works with you to find the best policy for your situation, taking into account the type of home you own and the type of coverage you need.

Insurance policies are generally made up of options tailored to individual needs, so how much you pay depends on multiple factors:

  • The policy you select. Homeowners insurance options are individually priced and what you pay is based on the coverage you choose.
  • What you want to be covered. Generally, higher deductibles will lower the premium price by transferring part of the loss payment to you. For example, if you had a $1000 deductible, you would be responsible for paying the first $1000 of the covered claim.
  • Where you set your limits. You can choose to set your limits higher than recommended amount depending on your needs and circumstance. If you want to be completely covered, you may select an Umbrella policy option that extends your coverage.

Your insurance policy and how much you pay are reliant on many different factors. It’s important to identify the assets you want to be protected and take into account your personal housing situation.

Protection for You, Your Home, and Other People

Property or Dwelling Coverage generally pays to repair or rebuild damage due to an insured event, such as a kitchen fire or windstorm.

Personal Liability Coverage applies in the event you are blamed for someone’s injury or property damage. When choosing your liability coverage, it’s important to consider how much money you make and your assets. Your coverage should also be high enough to protect your assets in the case you are sued and the coverage can often provide worldwide coverage for you and your family.

Medical Coverage

Medical Coverage covers medical expenses if anyone is injured on your property and may apply, in some cases, to people injured off of your property. However, it does not extend to health care costs for you or members of your household.

Additional Living Expenses

Your homeowners insurance policy will also pay additional living expenses in the event you are unable to live in your home due to a covered loss. The additional financial coverage is commonly given for up to 24 months while the damage in your home is assessed and repaired, (or in the case your home is destroyed, rebuilt).

Protection for Your Belongings and Scheduled Personal Property Coverage

In the event your personal belongings are stolen, lost, or destroyed due to a covered loss, Personal Property Insurance will help replace these items.

Scheduled Personal Property Coverage is important to consider if you have special belongings (art, jewelry, antiques, collectibles, etc.) as this additional coverage ensures specific possessions. Talk to your agent to see if this coverage is recommended for you.

Coverage If You Rent Out A Home

If you are a landlord, you may have the opportunity to buy optional liability coverage that covers potential risks by tenant-occupied residences. Visit our Landlord Protection Insurance page for more information.

Protect Assets That Matter To You

Carriage Insurance can help you find the right coverage for your unique situation. Making a list or an inventory of both your home and your personal possessions is a great starting point for finding the best coverage options for you. Taking photos and/or a video, as well as making a list of all your valuable assets are useful ways to help expedite the claim resolution process. Be sure to keep your list somewhere in your home. Additionally, keep in mind that your insurance policy does not cover damages due to poor home maintenance on your part.

Protect your home and belongings by finding the best insurance policy for your valuable assets. Contact us to get the best price and value on homeowners insurance for you.