Homeowners Insurance

Home insurance typically provides some degree of coverage for the dwelling (plus attached fixtures and structures), personal property of the occupants, liability and living expense if you need to be relocated during repairs.

Some folks assume that if you have homeowners insurance and disaster strikes your house, the insurance will pay to have your home rebuilt and refurnished. In actuality, the industry terms within your policy dictate how much you will get paid.

For example, the following terms will all offer different payouts: replacement cost, guaranteed replacement cost, extended replacement cost or actual cash value (ACV). The best way to navigate the fine print of your policy is with an experienced agent who has your best interest in mind.

At Daigle & Travers, we pride ourselves on being those kinds of agents.

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Bundle your home owners insurance with hazard insurance.

Hazard insurance is not a separate type of coverage from a homeowner’s insurance policy. Rather, it is synonymous with a homeowner’s policy, and it will provide protection for the structure of your home. There is a misconception that hazard insurance is something different than a personal homeowner’s policy. When, in fact, the word ‘hazard’ is becoming quite prevalent because of the financing industry. Many banks and institutions providing mortgages to home buyers are using the word ‘hazard’ insurance, when, as stated before, simply means a personal homeowner’s policy that protects your against specific hazards.

Hazard insurance gets its name because of the fact that it covers various ‘hazards’ that can occur in and around your home. These hazards are called “named perils” and include, but are not limited to:

Fire damage
Theft
Hail damage
Vandalism
Extreme storms
Earthquakes and other natural catastrophes

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In the event of being exposed to any of these circumstances, hazard insurance will provide coverage for the contents of your home. These include your clothes, furniture, books, and non-attached personal belongings. When it comes to protecting your possessions, there are two types of hazard insurance to choose from.

For a free quote for your business or personal insurance, send us a message or call us at (203) 655-6974

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