Home Insurance

You have to ask yourself - what would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

1. Your representative took the time to make sure you have the right protection
2. Your insurance carrier has your back

Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts. 

A good roof over your head can relieve a lot of worry - but what about making sure that roof is protected? Other unique aspects of your home, such as a pool, gazebo, or other detached structures are also worth protecting. When you work with an independent insurance agency like us, you have the chance to explore all your options for insurance and create a custom policy for your needs. Let us help you protect the things that are most important to you!

Home insurance can also protect you from having to pay for:

• Storm damage, fire, windstorm, lightning, and hail
• Dog bite liability 
• Manufactured home coverage
• Trampoline or swimming pool liability insurance
• Wind damage
• Sinkholes
• Flood damage
• Sewer or septic backups
• Replacement cost for personal property
• Umbrella liability insurance

Home insurance also covers personal liability exposures to protect you from many situations that could lead to lawsuits from others. For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

Who needs to insure their homes:

• Frame houses
• CBS homes (Concrete Block Structure)
• Manufactured homes
• Mobile homes on acreage
• Condos
• Townhouses
• Secondary homes
• Homes you rent to others
• Seasonal resident homes

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

• Most policies will not cover sewer backup, unless you purchase a special endorsement
• Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
• A standard homeowners policy typically does not include Flood Insurance
• A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
• Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  

Navigating the variety of options for your home insurance is simple with the Liberatore Insurance Group. We have teamed up with top insurance companies to bring you expert insurance advice, service, and products. As independent agents, we have the freedom to shop for the best coverage and price to meet your specific needs. Together, we’ll go over the options for your property and discuss the special discounts or bundle packages you may qualify for.

Why we're different:

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.