Home Insurance Is A Smart Choice
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Burridge Family Agency can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose. How much you’ll pay for your policy depends on:
Home insurance with The Burridge Family
Options you select
Often home owner insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
How much you want to cover
Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Where you set your limits
You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Things to think about when choosing homeowners coverage
Every home is unique.
Talk to us today ds on many factors. Think of your personal housing situation, and the assets you want to protect.
Value of your personal property
With Home owners insurance you can secure the value of your belongings in case of a emergency.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Value of liability coverage
We go the extra mile to protect you and your home.