Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
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. You might also need to consider sump pump or backup of sewer coverage if your home has a sump pump as the basic policy does not cover this type of loss without a special endorsement.
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 our staff at Paul Kern Insurance
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.)
- Does the age of my roof make a difference in my premium and should I contact my agent to advise them if I have replaced it?
- Should I notify my agent of updates to my home when I do them such as electrical, plumbing, furnace or roof?
- Do I need special coverage on items such as my jewelry, furs, musical instruments or other high value items?
- Do I need special coverage if I have a sump pump and do I need to tell my agent I have one?
- Why should I have a household inventory of my personal property and do I need to take pictures of the inside of my home?
Why do my home insurance premiums go up each year?
There are several reason why the premium go up. Here are just a few: the company had an overall premium increase, my home replacement cost has gone up, if my home was newly built the new home discount might be decreasing and there could possibly be a claims surcharge due to recent claim activity. You might consider increasing the deductible or have the replacement cost recalculated if it has not been done in a few years, these are ways to reduce the premium.