Your home is more than just a house, it is the place where memories are made and milestones are celebrated. Our homes are usually the biggest purchase we make, and homeowners insurance helps you to protect that investment from unforeseen events such as natural disasters, weather, fire, accidents, and theft. While you need coverage for the total loss claims that dominate the news such as fires or heavy winds, most home insurance claims are partial losses which are repairable.
If you have the wrong insurance policy, you could be on the hook for the majority of the cost to repair your home. Using an independent agent gives you peace of mind knowing that your coverages are properly set up, in addition to knowing that you have a staff of people at your disposal as your insurance needs change. Rising costs of building materials and inflation make it even more critical to have someone keeping a close eye on your insurance policy. Most lenders also require proof of homeowners insurance in order to apply for a mortgage. Some homeowners insurance policies not only cover your home itself, but also decks, garages, fences, sheds, personal property, etc. These types of coverages are dwelling coverage, personal property coverage, guest medical protection, personal liability coverage, fire coverage, umbrella coverage, collectibles coverage, other structures coverage, and additional living expenses coverage.
Types of coverages may include:
At Brooker Insurance, we can also quote you for specialized coverages such as flood insurance. You don’t have to live in a high-risk area to incur damage from flooding. Flood damage is not covered by most homeowner’s insurance policies, so having flood insurance is an important way to keep your home or business protected. We provide flood insurance through the National Flood Insurance Program, and flood policies are available to homeowners, renters and businesses. A flood can be devastating to your home, business, and your valuables. But through the National Flood Insurance Program we can help you see if your community is qualified so you can understand and purchase the coverage available to you.
As an independent agent, we have the ability to shop your insurance with our multiple carriers to find the most competitive terms and pricing for the specific insurance coverage you need. And to help you save on your insurance premiums, we’ll let you know about discounts available to you, including discounts for multiple policies, and discounts for home safety equipment including security systems and smoke/fire detectors. We’ll work with you to evaluate your needs and customize a homeowners policy that will give you the security of knowing that your home and everything in it are fully protected.
At Brooker Insurance, we understand that home is where the heart is and we want to give you the peace of mind that we’ve got yours covered.