Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled in a timely manner . Tans Agency can help you find the coverage with a valuable combination of tailored coverage, quality service and fair pricing .
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today! .
Texas & Michigan – What you need to know about homeowners insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by which losses are covered, which coverage's you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses..
Tans Agency is here to help you find the right insurance for your home
Whether you’re a home or condo owner, a renter, or a landlord, Tans Agency will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price..
Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:
· What you select. Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverage's you buy.
· How much you want to cover.Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
· Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an Umbrella insurance policy that extends your coverage.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
Liability coverage should cover your net worth to protect against lawsui
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
Landlords may have the optional liability coverage for the risks posed by tenant occupied dwellings. Protect your investment .
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.