Getting homeowners insurance can seem daunting. There are many insurance options with different coverages available, and you might be wondering which policy is best for you and your household.
Don’t worry. The more you understand homeowners insurance, the easier the decision will be.
Homeowners insurance provides financial protection to your home in the case of certain perils. This can include damages from hail, winds, lightning and more.
Standard homeowners insurance financially covers up to 16 perils. A few of these perils are lighting strikes, fire, high winds and burglary.
For example, your home may be damaged by strong winds due to a storm. Your policy would offer coverage after your deductible to repair damages to your home from the storm.
Having homeowners insurance is essential, but may be a necessity depending on where you live. Some areas are prone to tropical storms. Others have yearly wildfires. Having homeowners insurance secures your home in the chance it’s damaged by these perils.
Some perils such as flooding are not covered by standard insurance policies. You may need to purchase additional coverage if you live in areas prone to perils typically not covered.
On top of having homeowners insurance, there are many additional ways to financially protect your home from perils:
You work hard for your property. Keeping your assets safe is crucial. By protecting your space with homeowners insurance, taking time to examine your home's needs and investing in home protection products, you help to secure your space before peril can strike.
Ted draws energy and joy from building synergetic relationships with his Clients. Ted's nature is graciously gregarious and persevering; he's honest; and he's been dedicated to a substantial list of clientele throughout his 25 years in the hospitality business and almost two years as a REALTOR. His passion is creating a sincere, successful relationship with people.
Ted grew up in a family of Realtors in central Indiana, earned a degree in economics and philosophy from the University of Notre Dame, and jumped into all aspects of the restaurant business. His ensuing hospitality career path eventually led him into the Event Management Sales & Service role in hotels and quickly guided him to Los Angeles, San Francisco, and finally to a luxury resort in the Napa Valley, where he, his husband, and their dog have resided for almost a decade now.
The irony is not lost on Ted that his ‘growth’ journey has culminated in“living happily ever after” in an agricultural area with a small-town feel and sense of community strikingly reminiscent of his youth…and as a REALTOR nonetheless!