There’s no place like home. We know that and understand how important insuring your home can be. Unfortunately when a catastrophic loss occurs many items of sentimental value are lost forever. At least you want to know you have the financial means to put you back to as close to perfect as possible.
At Williams, Turner & Mathis, we have been helping people find the right insurance for their homes since 1970. With many of our clients, we have transitioned with them from their first apartment to their first home and other homes through the years. As a Trusted Choice agent we are not captive to just one company. We can offer you a choice of the top insurance companies.
Your homeowners insurance premium is based on many factors, including the age and construction of the dwelling; the size of it; where it is located; your credit history and your loss history. We also want to know if you have collectibles such as jewelry, furs, silver, guns, fine arts and even if you work out of your home. To get the discounts you deserve, we will want to know the age of the roof and the type of security measures you have at your home. Packaging your auto with your home can also save you money.
This is a lot of information and can seem confusing, especially if this is your first home! We don’t want it to be that way. Please call to talk with one of our licensed team members. With one call to us, we will “shop” your insurance with multiple companies to find the best match for you.
Below are some terms used in homeowners insurance:
Dwelling – this is the structure itself. It needs to be insured for the full amount of insurance it would take to rebuild it – which is the replacement value.
Other structures – some policies still show 10% of the dwelling for other structures.
Contents – are the things you would move out of the home when you left.
Loss of Use /Additional Living Expense – if you do have a loss and have to live somewhere else until your home can be rebuilt, you may have additional living expenses such as a hotel stay in addition to your regular mortgage payment.
Personal Liability – This is what protects you if you get sued because someone was injured at your home. It even covers you for activities away from your home, such as if you accidentally hit someone with a golf ball on the golf course.
There are standard coverages and exclusions on insurance policies. For example, the homeowners policy does not provide insurance for a flood or earthquake. There are also limitations, particularly on items of value. The homeowners policy is one type of insurance where different insurance companies can have different options. At Williams, Turner & Mathis, we can help you find the company with the policy that best meets your needs.