Homeowner’s insurance (commonly called hazard insurance or home insurance) is a type of property insurance that can cover the cost of damage in some emergencies. Homeowner’s insurance is essential to any home owner in Portland. A good insurance policy can save you thousands of dollars if something were to happen to your house, your family members or your guests.
At Vern Fonk, you can rest assured that you will be getting an agent who can help you find the right homeowner’s insurance polcy for your home and your budget. Many mortgage companies will require you to have home owner’s insurance, but even if your home is paid off, having the peace of mind that your belongings will be covered in an emergency is a must for everyone.
Types of Homeowner’s Policies
In Portland, these are a few of the types of hazard insurance policies we offer:
- Homeowner’s Insurance (Single Family Home)
- Condo and Townhome Insurance
- Farm and Ranch Insurance
- Mobile Home and RV Insurance
- Renter’s Insurance
- Valuable Personal Property Insurance
- Additional Liability Policies
About Home Insurance
Homeowner’s insurance is one of the best investments every home owner can make. It can protect losses due to some natural disasters, theft, and accidents that happen on the property. Hazard insurance includes both property insurance (covering the structure and contents of the home) as well as liability coverage (covering accidents involving people).
Most homeowner’s policies cover damage from fire, lightning, hail, windstorms, theft, volcanoes, and many other emergencies. The policy will cover the cost of repairs and even if the home needs to be rebuilt and can replace the cost of items stolen or damaged inside the house. Damage that comes from flood or earthquakes are generally not covered under a basic policy and additional coverages will need to be purchased. Most home owners insurance also covers against lawsuits in case someone were harmed while on the property or can cover the cost of medical bills. The coverage amounts can vary (typical policies carry a minimum of $100,000 liability coverage) and should be discussed with an experienced professional.
Reasons for Home Insurance in Portland
You never know when a disaster could strike. There are so many reasons having homeowner’s insurance is a good idea for your home and family.
Having the safety blanket of a good home owners insurance policy will give you peace of mind and can protect your loved ones and precious belongings in an emergency. Damages from fire can cost you thousands of dollars and cause damage to the foundation of your home. Large appliances, electronics and furniture can also cost thousands to replace if a thief were to break in and steal them. If someone were to trip and fall on a loose tile in your home they could sue you for injuries causing a major headache of lawyer and medical fees. Avoid all of these scenarios today with a great homeowners policy.
Speak with an expert Vern Fonk insurance agent today or fill out a quote online to cover yourself, your home, and your family and friends.
Portland, OR 97216
Phone: (971) 213-1015
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Locations in WA & OR