Disclaimer: The information on this site is general in nature and does not alter the terms or conditions of any policy you purchase through a State Insurance Agent. Be sure to read your policy for a complete description of coverages, options, limits, deductibles and discounts. Not all policies or features are available in all areas. Coverage cannot be altered, changed or bound via this website.
Purchasing a home without any insurance can be very costly. If damages occur, the responsibility will lie with you. Home insurance may be able to replace your personal belongings or protect you if you are liable for damage to someone else's property or an injury sustained on your property. In addition, you could also obtain coverage to cover court fees, food and shelter if you have to exit you home. Speaking with an insurance agent can help you discover which type of insurance best fits your life and budget.
Purchasing a house is one of the largest purchases anyone will make in their life, both financially and emotionally, and it is essential to protect that investment. Buying home insurance can be a great asset to make sure that you are protected in the scenario that your house is destroyed or damaged.
Homeowner's insurance can vary from larger policies to liability coverage that provides coverage for your home's structure and personal property. There are also specific policies that protect your home in case of flood, fire, or earthquake. Meet with a qualified insurance agent from Goodlad & Swank Insurance Agency today and find out what type of home insurance best fits your needs.
Goodlad & Swank Insurance Agency provides customers with insurance policies similar to the following:HO-1 Policy
An HO-1 homeowner's insurance policy provides you with fundamental coverage. It deals with damage caused by specific events, including fire, lightning, windstorms, hail and explosions. These plans also usually cover damage instigated by civil conflict and volcanic eruptions. Since this policy is very restricted, many states don't usually offer it to customers.HO-2 Policy
This policy secures you from 16 types of events, including damage from theft, vandalism and riots. It also covers hail hail damage, windstorm damage and broken glass, as well as destruction caused by smoke and any damage contracted by a vehicle. If your pipes erupt or your roof collapses, this policy will also protect that.HO-3 Policy
The HO-3 policy covers all possible causes of destruction to your property and possession loss, with the exception of precisely listed events. Exclusions contrast from policy to policy, so read yours meticulously to recognize what is going to be left out.Basic vs. Extra Coverage
Simple homeowner's insurance typically covers the money it will cost to repair impaired property, as well as the replacement costs if your home is damaged. It also covers your belongings, but the contents of your household are only covered for up to 40 percent of the home's insured value. Supplementary coverage will protect you against earthquakes and floods, as well as covering the loss of individual property like jewelry, computers and cameras.
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