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Affordable Homeowners Insurance

Homeowners have a major investment to protect. And, with Insurance Plus, you can keep it safe with affordable insurance coverage.

Anyone who owns a mortgage on a home will need to obtain an insurance policy. This policy also protects the homeowner against a variety of situations that are beyond the control of the mortgage holder. This includes natural disasters, vandalism, accidents, structural damage and more.

Additionally, a homeowners policy is required by many lenders. Financial institutions can turn down the homeowner’s request for financing if insurance coverage is not obtained at the time of closing. Many first-time home buyers overlook this detail. Without the correct level of coverage, the financing of the home can be difficult or impossible. Speak to a qualified insurance specialist to find out how to cover your home.

What Is Covered by Homeowners Insurance?

Homeowner policies are designed to protect homeowners against a wide variety of situations. Below are some of the types of coverage provided by typical homeowners policies:

• Coverage for damages caused to the physical structure of your home and permanent structures on your property such as pools or sheds

• Coverage for damages caused to your personal property inside your home

• Coverage for injuries caused to your household pets while inside your home

• Coverage for your personal liability if guests are injured while in your home

• Coverage for additional costs that you may incur if you need to live elsewhere temporarily as a result of fire or other covered disasters

Some types of maintenance can also be covered by a homeowners policy. However, these items are often itemized and optional. For example, the property might have a tool shed that needs to be repaired because of wear and tear. Or, the curb and lawn might require additional coverage. House fires are also common items covered in these policies. Your Insurance Plus agent will help you assess what type of coverage is best for your needs.

Homeowners Insurance FAQ

How does homeowners insurance work?

If you purchase homeowners insurance, you’re not only protecting your home; you’re protecting your finances as well. If your home or any part of it is destroyed, it could cost thousands of dollars in repairs. Without homeowners insurance, that money has to come out of your savings. However, if your home is insured, you’ll be able to pay for the damages and repair your home by filing a claim. The insurance benefits you’ll receive, however, will vary according to your deductibles, the limitations you’ve set on your policy, and the type of coverage you’ve chosen.

Is it required to get homeowners insurance?

Insurance requirements vary from one state to another. As we currently insure homes in Georgia and Florida, we can help you determine the type of insurance required by any of these states. Regardless of where you live, however, mortgage lenders usually require you to purchase coverage before they give you a home loan. Even if it isn’t required, it is still smart to protect your financial investment with a reliable insurance policy from Insurance Plus.

How much will homeowners insurance cost?

The value of your home and the type of insurance coverage you buy will primarily determine the amount that you have to pay for your insurance premiums. However, other factors can also affect your premiums, such as crime rates, your location, and your home insurance claim history. Regardless of your situation, Insurance Plus is dedicated to helping you find insurance at an affordable price.

Do you have any more questions? We’re happy to answer them! Call (229) 854-7370 to speak to an agent or contact us through our website. To start saving money on homeowners insurance, get a quote today!

How to Apply

Do you have any more questions? We’re happy to answer them!

The process is very straightforward. You just have to fill out our online form (which takes about two minutes) and answer a few basic questions with our friendly advisors by the phone. They will then advise you and approve your coverage request as quickly as possible.

If you’d prefer to reach us directly and get your quote over the phone, you can also call us at (229) 854-7370.