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Homeowners Insurance

Homeowners Insurance Quote Forms

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Homeowners Insurance Information

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Frequently Asked Questions

What are some of the Homeowners Insurance discounts and advantages available for me?
When you work with Summit, we'll help you find the company that offers discounts and advantages like:
  • burglar alarm and newer home discounts
  • claim free discount
  • multi-policy discounts (home/auto/etc. with the same carrier)
  • guarantee on repairs
  • 24/7 claims service
  • guarantee on repairs
  • flexible payment options and discounts
  • living expense if your home becomes uninhabitable due to a claim
What is Renter's Insurance, and why would I need it?

As a renter, you have special insurance needs that are not served with a traditional homeowner's policy. We can provide you with insurance protection for your furniture, appliances, clothing and other personal possessions.

While you may not be required to have renter's insurance, it's a good idea to have it. Your personal property includes things of value and importance whether you live in an apartment, condo, townhouse, or single family home. Renter's insurance protects the physical contents inside your apartment against loss or damage and provides liability coverage. Be sure to check your rental agreement for insurance provisions. If you have any questions, please call our knowledgeable Summit team

Is the insurance different for a condominium owner?
Yes, as a condo owner, you have special insurance needs that are not served with a traditional homeowner's policy. We can provide you with insurance protection for your furniture, appliances, clothing and other personal possessions.

People who own townhouses and condos also need similar protection for the contents of their homes and for liability. Because townhouses and condos are shared structures, the coverage for damages to the physical structure and liability on the outdoor surroundings is usually covered by special insurance typically paid by the homeowners association. But because homeowner association bylaws and covenants often vary from one property to another, it is best to have your particular situation and insurance needs reviewed before making a purchase.

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