If you have tangible assets, you need the protection of a homeowners insurance policy. These policies can cover houses or apartments, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. This policy will also be your first line of defense against a lawsuit from someone injured in your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only the losses specifically cited in the contract. The all-risk policy works the opposite way – unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
Van Handel Agency, Inc. offers free, comparative quotes on Homeowners Insurance from multiple insurance carriers so you can get the best possible rate.
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