Home Insurance

Client Centered

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay some or all the repairs out of pocket?  Home insurance covers the hazards that most homeowners face—everything from fire to theft and accidents on your property. Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.  For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. When you see an independent insurance agent like ACBI, you have the chance to explore all your options for insurance, and protect what matters most to you.

Little known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer back-up unless you purchase a special endorsement—it’s not expensive, but you won’t get it if you don’t ask for it
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard Homeowners policy does not include Flood Insurance
  • A standard homeowner policy only covers jewelry up to set limits if the loss results from one of the perils named on the policy
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

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