Are you a Homeowner Who Needs a Homeowners Insurance comparison?
If you’re like most homeowners your home is your most valuable asset and should be protected as such. When your home is damaged or destroyed, you need your claim settled by a local insurance agent that understands the risks.
No matter where you live, Miles Insurance can help you find the best homeowners insurance. I am the best insurance agent to meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing. We’ve put together the best network of insurance carriers to uniquely meet the needs of homeowners. We craft the homeowners insurance policies that make it affordable to protect your home from the diverse weather that homes seasonally face. From hail damage to blizzards, we’ve proofed your homeowners insurance.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses
Homeowners Insurance Coverages
This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.
We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.
This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually, this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.
This covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically, anything that would fall out of your house if you turned it upside down and shook out the contents.
This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.
There are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..