At Balliet Gilmartin Insurance, we offer a variety of homeowners insurance options from a lineup of notable national carriers.
Types of Homeowners Insurance Protections
Structure protection covers repair and rebuilding costs associated with damage caused by hurricanes, hailstorms, fires, and other unfortunate events. Certain policies will even cover a portion of the costs associated with damages to detached structures such as tool sheds and gazebos.
Not only can you receive financial assistance to repair the structure of your home, but you can also receive coverage for personal belongings such as clothing and furniture. Liability protection is available in the case that a lawsuit is filed against you. This includes cases where you, your family members, or your pets cause property damage or bodily injury to others. You can also receive financial assistance to cover hotel and eating expenses for any periods where you must live away from home during major repair and rebuilding projects.
How to Choose Homeowners Insurance Coverage
When shopping around for homeowners insurance, you should consider several aspects of each perspective insurer, including insurance quotes. You shouldn’t just choose a company because they provide the lowest rates, however. Instead, take a closer look at the details and limits of the policies they offer. For instance, additional coverage for flood insurance may not be necessary if you do not live on a floodplain. Because you will have an ongoing relationship with your insurance company, you should also consider the level of customer support and service you receive while communicating with potential insurers.
You should take note of deductibles. If you have a higher monthly cash flow, choosing a policy with a higher deductible and lower monthly rate may be a suitable choice. On the other hand, if you don’t think you would be able to pay higher upfront, out-of-pocket costs, then you may benefit from a policy with a lower deductible.
It’s important to keep your home and your family safe and protected from unforeseen events with a comprehensive home insurance plan. If you’re in need of a new policy or would like to change to a different level of coverage, then call us at 570-386-8001 or fill out our contact form to request a free quote or for a complete list of our available carriers.