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Home Insurance

A home insurance policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also provide some coverage. Home insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations and animal liability.

There are many endorsements you can add to the standard home insurance policy.  Here are just a few:

Replacement Cost Contents - This endorsement allows you to receive coverage for your home's contents at their replacement value and basically factors out the cost of depreciation on your personal items. Remember that your appliances should be calculated in your contents coverage level.  Ask your agent to include replacement cost on your home insurance quote.

Sinkhole Coverage - Almost all standard home insurance policies will cover catastrophic ground cover collapse.  However, many companies will not cover sinkholes without endorsing the policy.  There is new legislation regarding sinkhole coverage on home insurance policies.  It's recommended to check with your agent to discuss this coverage.  Many companies will consider adding sinkhole coverage if a geological inspection is ordered and if it is deemed satisfactory by the carrier.

Scheduled Personal Property - For property such as jewelry, collectibles and guns one should consider scheduling these items on the home insurance policy. This will provide greater levels of coverage and protection for your most valuable possessions.  Ask your agent to included scheduled personal property on your home insurance quote or ask for a separate jewelry insurance quote.

Increased "Other Structures" Coverage - Your basic home insurance policy will cover a percentage of other structures like a shed or fence.  However, sometimes policyholders need to increase the Other Structures coverage to accommodate for a large detached garage or a pool set back away from the primary dwelling.  You can select the amount you feel comfortable with on your home insurance quote.

Insurance Wagon offers many different home insurance policies through many of the top carriers in the State!  We can shop to find you the best coverage at the best price.  Call an Insurance Wagon agent today at (904) 733-4634.

Do you have questions about Home Insurance?

Contact an insurance agent at Insurance Wagon today to answer any questions about Home Insurance or for a free review and insurance quote for Home Insurance. And don't forget, as an independent insurance agency, we represent several top rated insurance companies. We have the flexibility to help you find coverage at competitive premiums for business, home, auto, and more.