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Happy Family

HOMEOWNERS INSURANCE

As one of the most important types of insurance for those with homes, homeowner’s insurance should be top of mind when owning a home. Today, we are going to look at exactly what homeowners insurance is, why you need it for your home, and how Amaya can help you find the best policy for you.

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PROTECTING YOUR FUTURE

AMAYA PREMIER AGENCY HOMEOWNERS INSURANCE 

If you are ready to switch home insurance companies or simply want to get a quote to see if you can save money, Amaya Insurance is here to help. With a full staff of experienced insurance experts, our team can assist you in finding the best homeowner’s insurance for your specific needs. Homeowner’s insurance is not a one-size-fits-all policy. Our team will take into consideration your home, coverage needs, and budget to help personalize a policy specifically for you.

What Is Homeowners Insurance?

Standard homeowner's insurance policies insure your home’s structure and personal belongings in your home in the event of a destructive event, such as a fire. Housefires are incredibly common, and having homeowners insurance will ensure you have adequate protection in taking the next steps. Many homeowner insurance policies are a “package policy”. A package policy is a coverage that includes not only damage to your property, but also your legal responsibility or liability for any injuries or property damage to others caused by you or your family. This will include household pets as well. 

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What Is Covered By A Standard Homeowners Insurance?

When it comes to standard homeowners insurance, there are many questions regarding what is covered. This is an excellent question as you will need to know exactly what is protected by your new homeowner's policy. Most standard homeowners insurance policies are going to cover:
 

  • The Dwelling

  • Your Personal Property

  • Other Structures Such As Fences

  • Liability To Others

  • Medical Payments To Others

  • Loss Of Use

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What Is Not Covered By A Standard Homeowners Insurance?

When getting standard homeowner’s insurance, it is important to know what will NOT be covered with your policy. This can help you get a better understanding of what you will be paying for and what will be covered in the event you experience one of these events. The following instances are rarely covered by homeowners insurance and will need to be asked about when purchasing homeowners insurance:

 

  • Termite Damage

  • Mold

  • Repairs Needed Due To Lack Of Maintenance

  • Tree Removal That Did Not Cause Damage

  • Damage To A/C System From Neglect or Lack Of Maintenance


 

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