Owning a home is one of life’s biggest milestones. It’s also one of life’s biggest investments. You need to protect your property with a homeowner’s insurance policy – and Iott Insurance can help you find the one that fits your needs!
Coverage from homeowner’s insurance policies can offer coverage for more than just your physical residence. It can protect your belongings inside, financial responsibility for injuries on your property, and more!
Common Homeowner's Insurance Coverage
The core coverage of a homeowner’s insurance policy is your physical dwelling. This coverage limits your personal cost for repairs to the walls, foundation, or roof following certain types of damage.
This coverage on your policy extends to anything from sheds to pools or garages that aren’t connected directly to your home.
When property within your home is lost or destroyed from perils within your policy, a homeowner’s insurance policy helps you replace these items.
Additional Living Expenses
Following major damage or complete loss of home due to covered events, this addresses costs for everything from temporary housing to meals and more until your home is safe to live in again.
Personal Liability Protection
Following an injury on your property, or damage to another person’s major property at your home, you may be held legally liable. Homeowner’s insurance policies with personal liability protection cover you from financial costs associated with these damages.
When a non-resident of the insured property is injured on that property, medical payments associated with their recovery are covered through medical payment policies on your homeowner’s insurance.
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Iott Insurance offers several discounts that can be applied to your homeowner’s insurance quote, including:
- Multi-policy Discount
- Group Affiliation
- Home Security
- Updated Roof
- Claims Free
- Senior Discount
- Protection Devices (fire extinguisher, smoke detectors and dead bolt locks)
Homeowner’s Insurance Coverage for Other Types of Homes
A homeowner’s insurance policy is designed for a standard home in which you regularly live. For other types of property, you may need unique coverage like:
Contents Insurance covers all of the tenant’s personal property for a determined amount. The policy also gives you liability protection in the event that someone is injured in your rental home.
Mobile Home insurance covers the mobile home itself, structures on the property, your personal property and personal liability.
Dwelling Fire policies can be purchased for structures that you own, but you don’t live in. This policy will protect a home against the perils specifically named in the policy.
Condo policies cover from the drywall in. This includes your personal property and your liability protection for bodily injury and property damage to others.
Optional Homeowner’s Insurance Coverage
In addition to the standards of homeowner’s insurance policies, we can work with you to craft a tailor-made solution that provides the financial protection that makes the most sense for your needs! There’s no such thing as a one-size-fits-all policy; Iott Insurance is here to assist you in achieving the right policy that fits your budget and minimizes your personal risks!
Some popular examples of optional homeowner’s insurance coverage:
Scheduled Personal Property
Your standard homeowner’s insurance policy may not fully cover expensive belongings like jewelry, fine art, guns, musical instruments, or antiques. Without it, you won’t be protected in the event that these irreplaceable items are lost or stolen.
Damage caused from flooding is rarely covered by a standard homeowner’s insurance policy. The expenses related to flooding can be overwhelming, so it’s an important addition to any homeowner’s insurance policy – even if you don’t think flooding is likely in your area!
Water Backup of Sewer
If the main sewer drain in your home backs up into your property, the process to restore your home or lost property is expensive. Without this coverage, your standard homeowner’s insurance won’t cover this type of damage.
Frequently Asked Questions about Homeowner’s Insurance
How Do I Know the Value of the Items Inside My Home?
Taking a home inventory is the best (and only reliable) way to truly catalog your belongings for the possibility of an insurance claim. When you file a claim for losses due to a covered peril, it’s your responsibility to provide an accurate list of items you owned. You may be required to show some proof of ownership for certain items.
Is Water Damage Covered Under My Homeowner's Insurance Policy?
Water damage can describe several different types of events. Whether or not these will be covered depends on your specific policy and endorsements. Sewer back up damage may be covered with a specific endorsement whereas flood damages would require a separate Flood Policy altogether.
If you’re worried about a specific type of risk, we can help answer your questions and provide you with guidance towards protecting your home!
Report A Claim
Do you need to report a claim? Our dedicated claims specialists are standing by to help!
Find out about our claims process, who to contact, and how you can receive afterhours claims assistance.