Get Homeowners Insurance

If you’ve been settled in your home for a while, perhaps you now keep some items of substantial value tucked away there. Whether it’s an expensive watch, tenth anniversary diamond earrings, or a collection of antiques, sports memorabilia, or art, these are valuable possessions that might be difficult for you to replace should they be lost, damaged or stolen. Adding these items to your home inventory list is important, but not as critical as calling your HUB International agent to discuss special insurance coverage that can help you quickly repair or replace these valuable items. Our insurance professionals highly recommend scheduling each individual piece through a special insurance endorsement called Scheduled Personal Property. This endorsement will provide protection for losses that are excluded on a standard home insurance policy, including accidental ones – let’s say you accidentally lose a piece of jewelry while swimming in the ocean. In addition to customizing a policy for your high value items, HUB International would be glad to recommend a local appraisal firm.

It is very important that you keep any documentation related to your critical home systems, equipment, and service lines. However, simply keeping manuals and purchase receipts in a file does not mean that you are covered should there be any sudden or accidental home system breakdown. That’s why HUB International is proud to now offer our personal insurance clients the option of Home Systems and Service Line Protection Coverage that can help homeowners like you avoid the inconvenience and the expense of unexpected repairs. This protection provides coverage, up to a limit, for repair or replacement of service lines, including water, steam, sewer, and drain piping as well as power line, electrical wiring, communication and data transmission wiring (e.g. telephone, cable, internet, and fiber optic). It also comes with coverage, up to a limit, for damage caused by a sudden and accidental mechanical or electrical breakdown of equipment like your water heater, central air, pool pumps, and solar energy panels. Whether it’s a mechanical issue, electrical problem or a bursting, cracking or splitting that results in direct physical damage to all or part of a home system or equipment, HUB International now offers this excellent option for homeowners to get repairs or a replacement done quickly and easily.

The simple answer is “Yes”. Everything that we have talked about above holds true for a property that is not your primary residence. However, as you probably already know as a landlord, a rental property comes with very unique requirements, including special insurance needs. If you are collecting rent seasonally or all year round for one or several multi-family properties, then you need to make sure you have the proper Dwelling Fire/Rental Homes 1-4 Family insurance policy in place. Contact your HUB International agent to discuss the various options available including coverage for personal liability, loss of rent, and replacement cost of dwelling. We will help you select the policy type that is best for you and your specific rental property so that you can have peace of mind that your investment is well protected.

Standard home insurance typically covers the structure of your home including detached structures, like a garage, tool shed or gazebo, along with the personal belongings that live inside. This critical policy also provides personal liability protection and assistance with additional living expenses should you be displaced from your home due to a catastrophic event.

However, home insurance is not as simple as we are making it sound and policy details can vary greatly from one insurance carrier to the next. That’s why we are happy to share a more in-depth look at what home insurance covers along with tips on what questions to ask your agent so that you can stay informed and feel confident that one of your most important, and cherished, assets is properly protected.

Figuring out what your home insurance is going to cost you isn’t as straightforward as you may think. The premium you will be charged depends on many variables, which is why HUB International thinks it’s important to share some general tips with you on the factors that can impact your homeowners insurance rate.

Special features like a pool, finished basement or crown molding can cause your insurance premium to go up, whereas living in a neighborhood with a low crime rate or in a house that is near a fire hydrant can lower your costs. But, because each and every home is so different, there really is no one-size-fits-all answer for what home insurance costs. However, when you partner with a HUB International insurance professional, our team will help you evaluate your current insurance costs, provide you with a competitive quote for a potential new residence and, potentially, save you money by finding you all available discounts.