Protect your house, possessions, and visitors with homeowners insurance from Dageforde Agency. Insurance protection is an important aspect of financial planning, providing added security for the major investment you have in your home and property.
What is Homeowners Insurance?
Homeowners insurance compensates you for losses to your home and your possessions inside it. The liability aspect of homeowners insurance also protects you when you are legally liable for someone who has sustained an injury on your property. Depending on the homeowners policy that you choose, losses from storms, fire, theft and other events are also eligible for reimbursement. Homeowner’s insurance only covers the owner who is living in their property. If you are renting, you should obtain renter’s insurance in the case of damage to your personal property. Landlord’s will need to obtain dwelling insurance to cover the home or apartment structure that is being rented.
Dageforde Agency offers a variety of homeowners insurance coverage’s from multiple companies. Our staff would like the opportunity to help you choose the right policy to protect your home and possessions.
Generally, a homeowners insurance policy protects the following:
- The physical structure of your home, such as the building, roof, windows, or siding
- Structures on your property, such as a garage, storage shed, or pool
- Personal property and belongings inside your home, up to specified limits
- Your liability for any injuries and property damage for visitors to your home and property
- Living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home.
Replacement Cost Estimator and Endorsement
As your home and property age, the value decreases or depreciates. However, the cost to replace structures and belongings continues to rise. To protect against the financial impact of replacing damaged property, Dageforde Agency recommends a homeowner’s policy with a replacement cost endorsement. Our staff utilizes a replacement cost estimator to assure that you have adequate coverage for your home and belongings should a tragic event, such as a fire or tornado, occur.
Additional Coverage and Endorsements to Consider
- Umbrella Protection – for excess liability for catastrophic events. This covers all liability situations for your property including vehicles, recreational vehicles, boats, property damage, or bodily injury
- Inland Marine Protection for valuables such as:
- Jewelry – rings, watches, precious stones, etc.
- Antiques, silverware
- Musical Instruments
- Computer and Electronic Equipment, Phones, iPhones, iPads, MP3 players, wireless equipment, cameras, etc.
- Medical Devices, hearing aides, prosthetics
Inventory Your Property
Take a proactive approach and inventory your property BEFORE you have a claim. The stress of a loss, especially a major loss such as a fire or tornado, makes it difficult to itemize all of the belongings that you lost. Take the time to use a digital camera or video camera to inventory your belongings. Copy the pictures or video to a DVD and store it away from your home, such as in a bank safety deposit box or at a family member or friends home.
Back-up your personal home computer and store the back-up at another location away from your home. Remember to back-up irreplaceable digital pictures and videos also.
There are also multiple online programs that you can use to create an electronic inventory.