Goodlad & Swank Insurance Agency
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.
If your home is damaged or destroyed by flood, fire or some type of natural disaster, you will be accountable for the entire cost of rebuilding your home. Home insurance may be able to replace your personal property or protect you if you are liable for damage to another person's property or an injury sustained at your home. Additionally, you could also get coverage to take care of court fees, food and lodging if you have to abandon you home. Having a discussion with an insurance agent can help you discover which type of insurance works for you.
Buying a house is one of the largest purchases anyone will make in their life, both financially and emotionally, and it is important to keep the investment protected. Buying home insurance can be a great benefit to make sure that you are protected in case your home is destroyed or damaged.
Home insurance can vary from basic liability coverage to more comprehensive policies that cover your personal property or the structure of your house. There are also special policies that insure your house in case of fire, flood or earthquake.
Meet with a qualified insurance from Goodlad & Swank Insurance Agency agent today and find out what type of home insurance best fits your needs.
Goodlad & Swank provides customers with insurance policies similar to the following:HO-1 Policy
An HO-1 homeowner's insurance policy gives you fundamental coverage. It deals with damage caused by specific instances, including fire, lightning, windstorms, hail and explosions. These programs also usually cover damage triggered by civil unrest 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 against 16 types of events, including the resulting destruction from burglary, vandalism or civil tension. An HO-2 policy will take care of hail damage, windstorm damage and broken glass, as well as destruction caused by smoke and any damage induced by a vehicle. If your pipes rupture or your roof collapses, this policy will also cover that.HO-3 Policy
HO-3 policies cover all possible grounds of damage to your property and asset loss, with the exception of explicitly listed events. Exclusions contrast from policy to policy, so read yours conscientiously to recognize what is going to be excluded.Basic vs. Extra Coverage
Simple homeowner's insurance typically takes care of the money it will cost to repair impaired property, as well as the replacement costs if your home is wrecked. 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. Additional coverage will defend you against earthquakes and floods, as well as dealing with the loss of personal property like jewelry, computers and cameras.