Homeowners Insurance

Homeowners insurance provides financial protection against disasters. Get a free quote today!

5 Reasons You Need Homeowner's Insurance

Homeowner’s Insurance is an essential aspect of owning your own home and there are several very good reasons for that.

1. Peace of Mind

Knowing that you are covered against a myriad of risks is the TOP reason for having homeowner’s insurance. Murphy’s Law says that, ”Anything that can go wrong will go wrong”, and that’s a fact. When your HVAC goes out or a tree falls on your garage you don’t want your entire life to be turned on end. You have enough to worry about each day, so knowing that your home is covered in the event of a loss provides peace of mind amidst the stresses that you are faced with on daily basis.

2. Protects You from Lawsuits

There’s nothing worse than having someone get hurt on your property, then coming after you. Getting sued is the last thing anyone wants! Legal fees add up quickly and a seemingly harmless incident can end up costing you more than your mortgage. Homeowner’s insurance is there to protect you from losing your home or worse yet your life savings.

Remains of a house after a fire

3. Protection from Loss

There is no shortage of catastrophic events that can cause damage or even complete loss of your home. Whether it be natural disaster, theft, fire or flood, you can get a policy specifically to cover all of these losses. A good homeowner’s insurance policy assures that you sleep soundly at night knowing that in the event of a loss, you are covered.

4. Affordable Coverages

You might think something as invaluable as a homeowner’s insurance policy would break your budget and the bank, but surprisingly homeowner’s insurance is actually quite affordable in most states. And because it is so easy to incorporate your homeowner’s insurance payment into your monthly mortgage payment, you don’t even have to think twice about it.

5. Pays Medical Bills

Being a homeowner means entertaining guests and having friends over. In the event that a visitor to your property gets injured, your homeowner’s insurance is there to pick up the slack. All your favorite value-adding amenities like pools, trampolines, and wood burning stoves can actually be a liability to guests, and that’s not to mention uneven sidewalks or an unpredictable family pet. You can’t control what happens to your guests, but you homeowner’s insurance will make sure that their medical bills are taken care of.

Common Coverages for the Homeowner

Your average homeowner’s insurance policy is made up of a few different kinds of coverages that are designed to protect your finances when disaster strikes. The following are the most common coverages for the homeowner:

  • Dwelling coverage
  • Other structures coverage
  • Personal property coverage
  • Personal liability coverage
  • Additional living expense coverage
  • Umbrella coverages

We will:

  • Help you save money on your insurance.
  • Work with you to choose the best coverage for your situation.
  • Help you file an insurance claim.
  • Give you confidence that you’re covered if the unexpected happens.
"I have had the best experience with Get Me Insured. Every interaction I have had with any of the agents was pleasant and they are so kind. They work quickly and answered all of my questions. I will definitely stay with them!"

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