Home insurance covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

• Storm damage, fire, windstorm, lightning, and hail
• Dog bite liability 
• Manufactured home coverage
• Trampoline or swimming pool liability insurance
• Wind damage
• Sinkholes
• Flood damage
• Sewer or septic backups
• Replacement cost for personal property
• Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

• Most policies will not cover sewer backup, unless you purchase a special endorsement
• Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
• A standard homeowners policy typically does not include Flood Insurance
• A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
• Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
• IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.