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Insurance Policies for Homeowners

Insurance Policies for Homeowners

Few investments in a person’s life come close to the level of their home, and very few possessions are considered as important. For these reasons alone, having an insurance policy in place is essential. Of course, mortgage lenders want to see their part of the investment protected as well, making homeowners insurance policies a requirement in order to secure the loan.

Just like other types of insurance, a standard benefit to having a good homeowners policy in place is to have peace of mind should the worst happen to their home or possessions. The personal insurance brokers at Ansay & Associates bring this serenity to all of our clients, connecting them with the right insurers while offering the best relationship-building service possible. Getting in touch with our team to insure your house makes a smart financial move a safe bet, and one that you’ll be grateful for for years to come. 

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Insurance Policies for Homeowners

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Types of Homeowners Insurance

Homeowners insurance encompasses a broad category of coverage options, with unique plans carved out to serve nearly every niche of homeownership or rental scenario. Since every circumstance is different and client needs vary, the team at Ansay is always prepared to make the best recommendations, which means having familiarity with a range of homeowner insurance options.

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Homeowners Insurance

The most common of all plans for homeowners, these policies typically protect against common threats to a home - fire, wind/storm damage, some flood damage and theft. It typically covers the dwelling and attached structures, as well as certain possessions that exist within the properties. 

  • Coverage Details: Protects homes along with limited protection for attached structures and personal property.
  • Coverage Benefits: Dwelling protection, personal property coverage, liability coverage, and additional living expenses.
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Condo Insurance

Condominium insurance coverage provides protection against risks that aren’t covered by the condo associations building insurance. This typically covers items and structural elements within the unit’s interior, including property, walls, flooring and other items not originally included with the unit.

  • Coverage Details: Specialized coverage for condominium owners, purchased in addition to a condo association’s building policy.
  • Coverage Benefits: Includes building property, personal property, and liability protection.
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Renter’s Insurance

While the landlord’s insurance policy will cover the building, it won’t typically protect a renters possessions. Renters insurance offers people leasing an apartment, flat, duplex or other rented property protection from damage or loss of personal property. Some policies even cover personal possessions kept inside a vehicle. 

  • Coverage Details: Protects your personal belongings as a renter from instances of fire, theft, or sewer backups, for instance.
  • Coverage Benefits: Personal property coverage, liability protection, and additional living expenses.
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Looking for Something Else?

Contact our team to get advice and options about the types of homeowners insurance available.

Custom Coverage

Some insurance providers offer custom homeowners coverage, offering benefits beyond what’s covered in standard policies. Depending on your unique needs, Ansay & Associates will help you determine the right combination of coverages and add-ons to keep your investments safe and sound. These customized coverages may include:

Personal Property Coverage

Guards belongings against loss or damage

Liability Protection

Covers legal and medical costs in case of injury on your property

Medical Payments Coverage

Reimburses medical expenses if someone is injured on property

Additional Living Expenses

Funds the cost of living elsewhere if your home is uninhabitable

Scheduled Personal Property

Covers for high-value or one-of-a-kind items like jewelry and art

Common Homeowner Insurance Add-ons and Endorsements

Besides custom coverage options, many policy providers offer additional endorsements and add-ons which can be useful for homeowners in high-risk areas, or those needing special protections due to activities within the home. These may include:

Home Business Coverage

Guards against loss for items essential to running a home business

Flood Insurance

Protects against flood damage to furniture, structures, possessions and more

Earthquake Insurance

Offers protection for earthquake-related damage

Cost of Homeowners Insurance

Like any insurance policy, the costs and monthly premiums can vary depending on a wide range of factors. From environmental considerations to policy options, there are a variety of conditions that will affect coverage cost, including: 

  • Type of Coverage
  • Age & Condition of Home
  • Location of Home
  • Attractive Nuisances
  • Number of Previous Claims & Credit History
  • Additional Endorsements

Ways to Save on Your Homeowners Insurance Premium

Many homeowner policy providers offer ways a policyholder can save on monthly premiums. Ansay and Associates helps our clients find the best coverage available, while working to find ways to save on monthly premiums. Some common savings opportunities include:

  • Multi-Policy Discounts: Policyholders can often save when bundling policies, typically with auto insurance.
  • Home Safety Discounts: Discounts can be earned by keeping up-to-date smoke detectors, alarm systems, etc.
  • New Home Discount: New homes usually come with fewer risks in the short term, so providers offer premium savings.
  • Claims-Free Discount: A reward can be granted for having no previous claims on the property or as a policyholder.

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Get in touch with our team of homeowners insurance experts to find the best coverage for your needs.

You Can Always Call Us Toll-Free at: 1 (888) 262-6729

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