Homeowners Insurance

Home Sweet Home

Our homes do so much for us. They provide comfort, shelter, a place for family, and protection. When all seems lost, the lights are always on at home to welcome us inside where we can again feel safe. It’s time to do something for the home that does so much for you – and we’re talking about something more than mowing the lawn or getting a fresh coat of paint. It’s time to call Arbor Insurance to discuss homeowners insurance policy options designed to protect the home you love.

Homeowners insurance is made up of coverages intended to repair or replace your home/belongings if they are damaged (Ex: fire or theft). Your policy may also help cover costs if you accidentally damage another person’s property or if a visitor is injured at your home.

Homeowners insurance policies can vary based on the property value, location and what exactly you’d like protected. Your Arbor Insurance Agent will be happy to break down those options and review them with you.

Helpful Notes on Homeowners Insurance

  • Homeowners insurance covers the actual building you live in (and associated structures like garages)
  • When taking out a mortgage, most lenders will require you to take out homeowners insurance. Why? – Lenders need to protect their investment too!
  • The amount of insurance generally covers the cost to replace the home in the event of a total loss
  • Additional insurance protection can be added to cover the replacement value of the items in the home
  • While your policy can help you in the event of a disaster (such as a fire), many policies will not protect against poor home maintenance.