4 Things to Know When Buying
Home Insurance
Home Insurance 101
Common Claims Covered:
Fire
Tornadoes/Wind
Hail/Lightning
Theft/Vandalism
Pipe Break/Freezing
Common Claims Not Covered:
Flood
Insects (Carpenter Ants, Termites)
Wear and Tear
Rodentia and Varmints
Cracking/Settling of Foundation
Standard Coverages
![Copy of b (2)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-2.png)
Structure
This covers the house itself. Things like the roof, walls, flooring, kitchen cabinets, bathrooms, etc.
![Copy of b (3)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-3.png)
Contents
This covers your stuff inside. Things like your furniture, clothes, appliances, TV, golf clubs, etc.
![Copy of b (4)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-4.png)
Detached Buildings
Most commonly this would be a detached garage, but could also be garden shed, gazebo, boat house, fence, etc.
![Copy of b (5)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-5.png)
Liability
This covers you if someone is injured on your property and sues you. For example slip in fall or a dog bite, etc.
Must-Have Extra Coverages
![Copy of b (9)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-9.png)
Replacement Cost Structure
This coverage usually provides an additional 25% cushion to rebuild after a total loss, like a fire or tornado.
![Copy of b (14)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-14.png)
Replacement Cost Contents
If something happens to your contents, this coverage buys you brand new stuff, no depreciation factored in.
![Copy of b (7)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-7.png)
Water & Sewer Backup
This covers damage resulting from sump pump failing or sewer backing up in your basement.
![Copy of b (8)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-8.png)
Identity Theft Protection
If your identity is stolen, this will pay for a lawyer to go in and clean up your credit report. Need we say more?
Other Coverages to Consider
![Copy of b (6)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-6.png)
Jewelry
Replaces jewelry (wedding rings, earrings, necklaces, etc) if stolen, lost, or diamond falls out.
![Copy of b (16)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-16.png)
Service Line
Covers the lateral pipe from your house to the sewer or septic if something happens to it and needs to be replaced.
![Copy of b (14)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-14.png)
Loss Assessment
If you are in a homeowners or condo association, this gives you extra liability for that exposure.
![Copy of b (15)](https://getbubbler.com/wp-content/uploads/2019/04/Copy-of-b-15.png)
Rec Vehicles
Snowmobile, boats, ATV, golf cart, etc. These toys usually can be added on the home policy as a rider.
3 Ways to Lower Home Insurance Costs
Combining all your insurance together gets you the best rate. Insurance companies give up to 40% savings on both policies.
You can save considerable costs by raising your deductible. This is the portion you pay out of pocket when you have a claim. Typical home deductible is $1,000. This will help you avoid filing small claims as well.
Independent agents work for YOU, not an insurance company. We are on your side! We look for 3 things, proper coverage’s, competitive premiums and claim service a company provides.
Factors that could
HURT your price:
Pool with slide or diving board
Trampoline
High risk dog breeds
Roofs that are older than 20 years
Galvanized Plumbing
Factors that could
HELP your price:
Having smoke detectors
Security systems
Smart home devices
Roof that is new
Have fire hydrants’ near by
Our Insurance Companies