Your home is one of your most valued physical assets; therefore, it should be well protected from unexpected damages and disasters. An exceptional homeowner’s policy will replace your personal possessions, repair your home from fire and natural disasters, cover property damage, and provide personal injury in case someone is injured on your property.
The cost of homeowner’s insurance coverage is determined by many rating factors; Sheally’s Insurance Group’s agents will work with you to determine your specific coverage needs to secure a well-written policy from an excellent provider. There are two ways a homeowner’s insurance policy can be written. The first is a named peril policy. This insures your property, but it has a specific list of covered hazards. If the property damage is not caused by one of the listed hazards, the insurance company is not obligated to repair your property. This policy is very specific, so you will need to be aware of what is covered in your policy. The second option is an all risk policy. The all risk policy offers broader coverage, but the policy includes a list of excluded coverage such as flood, war, or earth movement. On an all risk policy, the insurance company is responsible for providing burden of proof if the damage is excluded from your policy. We will advise you on which policy type will best serve you and your family.
Sheally Insurance Group provides no-cost, comparative quotes from multiple insurance carriers to offer you the most affordable rates and the best coverage on the market. See how much Sheally can save you by requesting a quote today!
Use the form below to submit a quote request form or call our office to speak with an associate about homeowners insurance today.