Home Insurance

YOUR HOME IS IMPORTANT, MAKE SURE IT’S PROTECTED

You ask yourself…

What would happen if a disaster struck my home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

When you’re facing a crisis, you’ll feel less pressure knowing:

  1. Your representative took the time to make sure you have the right protection
  2. Your insurance carrier has your back.

WHAT IS HOME INSURANCE FOR?

When you visit with The Mark Boles Insurance Agency we will assist you in making sure your needs are

met and what is important to you is protected.

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. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Storm damage, fire, windstorm, lightning and hail
  • Dog bite liability
  • Trampoline or swimming pool liability
  • Wind damage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for your home
  • Replacement cost for personal property

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 backup, unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard homeowners policy typically does not include Flood insurance
  • A standard homeowners policy only covers jewelry, tools, guns, art, and other specialized items to a set limit, if the loss resulted from one of the perils named on the policy.
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1000, it may now only be worth $450, so that’s all you’ll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You can combine your Home and Auto policies for even more savings.

THERE ARE DIFFERENT POLICIES FOR DIFFERENT STRUCTURES

  • Primary home
  • Seasonal homes
  • Condominiums
  • Rent houses
  • Farm houses
  • Mobile homes
  • Manufactured homes
  • Vacant homes
  • Rented residences

WHY WE’RE DIFFERENT

While most insurance products are similar in price and function, insurance agencies vary when it comes to structuring a policy tailored to your needs.

Request a Quote

Thank you!
Oops!