Your home is the center of your life and your most valuable asset.
That’s why having the right homeowners insurance policy is so important. Homeowners insurance offers financial protection if you suffer a loss to your home due to fire, theft, vandalism, or other covered event. In addition to providing protection for your home, the right policy will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
If your home were damaged or destroyed, would your policy offer enough protection to get your life back on track?
Voldico can help you find a homeowners insurance policy that will offer you the protection you need at a price you can afford. We are a group of insurance agents working together for you. As independent agents, we do not work for any one carrier. Instead, we encourage competitive pricing and coverage by comparing all of our carrier partners.
How much does home insurance cost?
The amount you pay for homeowners insurance will depend on several factors, including:
- Your location. Home insurance premiums vary from state to state and region to region. The location of your home will have a big influence on the cost of your homeowners insurance.
- Your coverages. Coverage options for home insurance are typically priced individually, so how much you’ll pay for your policy depends on the coverages you select.
- Your home's value. The amount you pay is heavily influenced by the estimated replacement cost of your home.
- Your deductible. A higher deductible will usually lower your premium price by shifting part of the loss payment to you.
What does homeowners insurance cover?
Every homeowners insurance policy is different, but most policies provide coverage for the following:
Property or Dwelling -- coverage to repair or rebuild your home if it’s damaged or destroyed by an insured event, such as a fire or windstorm.
Personal Liability -- coverage if someone is injured or their property is damaged and you are to blame.
Medical Expenses -- coverage for a guest's medical expenses if he or she is injured on your property.
Additional Living Expenses -- coverage for additional living expenses if you can’t live in your home following a covered loss while it is being repaired or rebuilt.
Personal Property -- coverage for your personal possessions if they are lost, stolen, or destroyed as a result of a covered loss.