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Owning a home and insurance

If you own a home, you need homeowner's insurance. Whether your home is a single family home, townhouse, semi-detached house or condo, your mortgage company must verify proof of homeowner's insurance before you go to settlement or close on your home. Your home is most likely the expensive asset that you own. In the event that your house or personal property is damaged, your homeowner's insurance policy covers your losses.

Homeowners insurance policies are very affordable. If you live in an area prone to earthquakes and flooding like what we experienced in New Orleans, Houston or Miami, you may need to supplement your insurance policy with additional coverage. Insurance policies cover the minimum costs required to rebuild your house.

You can homeowner discounts having:

  • Smoke alarms
  • Fire extinguishers
  • Security Alarm System
  • Multi-Policy(having more than one type of insurance coverage, for example, Home and Auto)

A homeowner's insurance protects you from the devastating financial burden of loosing your biggest asset, in case of fire, theft, vandalism, earthquake, flooding, or other disasters.

Your policy ensures that you are covered for:

  • Temporary lodging expenses
  • Replacement of expensive items such as jewelry and other possessions
  • Rebuilding your home at a faster pace
  • Liability (injury or accidents)