Homeowner’s insurance is a very important investment each home owner should consider when buying a home or evaluating their current situation. Homeowner’s insurance, like renters insurance, can help protect the home, property, and contents inside the home from theft, fire or other covered claims.
Homeowners insurance is also called hazard insurance, HOI, or home insurance. Each policy is a little different, and coverage amounts and instances can change from one to another. Most insurance companies will ask you questions about your home, like how close it is to a fire hydrant and what safety features are installed (alarms or locking mechanisms). Some people, if they have a mortgage, can combine the cost of hazard insurance into their monthly mortgage payment. Even if you own your home outright, having a good homeowner’s insurance policy is a great investment and can give you peace of mind.
Most home insurance policies cover damage from fires, burglaries or liability claims. Most policies require additional coverage to be purchased for flood protection. It is important to know how much your home will be covered for and what it will cost you if something were to happen.
Kent Homeowner’s Insurance
Vern Fonk in Kent Offers:
- Homeowner’s Insurance Policies
- Condominium Policies
- Townhome Insurance
- Renter’s Insurance
- Rental Property / Vacation Home Insurance
- Mobile Home Insurance Policies
- RV Insurance
- Farm and/or Ranch policies
Home Insurance Loss Protection
Almost everyone’s insurance policy on their home covers damage caused by wind, hurricanes, tornadoes, fire, and thieves. If one of these emergencies were to happen, you will want to be covered. Damage from any of these instances can cost thousands of dollars to fix or replace, and cause extreme stress through an already challenging time.
Many homeowner’s do not realize how much it would cost to replace items inside of their home that they use daily. Large appliances, like a refrigerator or oven, can cost thousands of dollars and be a pain to install. Furniture, electronics, jewelry and entertainment systems are usually the first to go during a robbery, but thieves have started going after large ticket items first. Fire or wind can easily damage electrical systems in the house and cost thousands of dollars to fix. It is important to keep these items covered in case something were to happen. Insurance companies will take care of the claim process quickly and get your house back to the way it was in no time.
Hazard Liability Protection in Kent
Many homeowner’s do not realize that a good home owner’s insurance policy can protect their family from lawsuits. If something were to happen on your property, like someone were to get injured, they could sue you for damages. Doctor and hospital bills can add up quickly and have caused many homeowner’s to go bankrupt because they didn’t have enough or any liability coverage in their homeowner’s insurance plan. Most people think it would never happen to them and that they’d be fine without it. We think it would be better to be safe than sorry.
Is it time you reviewed your homeowner’s insurance policy? Look it over with an experienced Homeowners Insurance Agent at Vern Fonk in Kent, WA today! You can even get a free homeowner’s insurance quote online here! We can help you figure out what coverages would work for your situation and get you set up to protect your home, your stuff and your loved ones from emergencies.
Kent, WA 98032
Phone: (253) 220-4641
Fax: (206) 824-4836
For All Vern Fonk
Locations in WA & OR