Homeowners Insurance

Your home will quite possibly be the largest asset you own in life.  It is not only a place to raise your families, but also a place of safe haven.  The laughs you share and the love you build in a home is like no other feeling, and to many personifies the "American DreamIDEAL INSURANCE will work with you to help protect the things you value most in life with a great homeowners protection plan.  Below are some of the types of Homeowners Insurance that IDEAL INSURANCE can provide you and will help you along the way in determining next steps and proper coverage for you and your family.


HOMEOWNERS INSURANCE BASICS


Homeowners insurance helps protect you from the unexpected burden of having to pay out of pocket to repair or rebuild your home in the event of a major catastrophe or physical damage should a disaster hit.  The coverage also helps to pay for the costs of your personal belongings should they become lost or stolen.  Homeowners insurance also helps to pay for additional medical costs should they be needed, as well as additional living expenses in the event you were displaced from your home.  Homeowners insurance also gives you the protection you need in the event someone is hurt on your property as we all know accidents happen.

WHAT IS COVERED UNDER HOMEOWNERS INSURANCE?

  • Fire and Smoke
  • Windstorm and Hail
  • Lightning
  • Vandalism and Theft
  •  Weight of Ice, Snow or Sleet
  •  Damage from a vehicle or fallen tree

WHAT IS NOT COVERED UNDER HOMEOWNERS INSURANCE?

  • Flood ( Added Endorsement)
  • Earthquake (Added Endoresment)
  • Sewer or Drain Backup (Added Endorsement)
  • Other vehicles not insured that are parked on your property
  • Home Based Business' (Added Endorsement)
  • Arts, Collectibles and Antiques (Added Endorsement)

There are many types of homeowners insurance to choose from and we realize that it's a lot to take in.  Let us help ease your mind along the way to make sure you are covered with the right protection for the right situation!

An upgraded homeowners insurance policy will cover a host of different situations, such as "Detached Structures" on your property, "Personal Belongings" or "Rare Collections" that need to have an added level of coverage due to value.  You also may have a "High Value" home with additions that need extra coverage.  Whatever the situation....IDEAL INSURANCE will find you the right coverage at the right price!  


  

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