Protect your No.1 Asset with Affordable Home Insurance and Home Owners Insurance Quotes!
Make sure that you get the full value of your cherished home and
home contents if disaster strikes!
Benjamin Franklin once said, "By failing to prepare you are
preparing to fail." And never a truer statement was uttered
that could be applied directly to homeowners insurance. Now it is
unlikely that Benjamin Franklin had this in mind when he uttered
his immortal words! But nevertheless if you fail to plan for the
worst case scenario of what could happen to what is, for most of
us, our biggest asset, then you are courting disaster.
Home owners insurance can cover a multitude
of scenarios from fires of the physical building to the burglary
of the contents and more. And is very adaptable according to the
specifics of what it is you wish protected. For example different
plans could cover lawsuits for people injured in your home, vandalism,
or even animals rampaging through your home if you live near a wildlife
park! So it is important to realise that it needn't just be the
bricks and mortar that you protect, but also your valuable home contents.
Insurance can be a real boon when disaster strikes,
and there is a lot of flexibility in how you structure any
Because home owners insurance is so adaptable
it makes it very important to thoroughly read your plan, and be
fully conversant as to the exact terms, and what you are and are
not covered for. So for example flooding is typically NOT covered,
and so if you live in an area where there is a possibility of flooding
then you need to address that carefully in any home insurance quotes you get.
in any doubt then question the companies closely as to different
scenarios that you can forsee. For example, "Would I be covered
if this happened?...".
Like any type of insurance the more comprehensive
the cover the higher the price is likely to be. And you may need
to decide on a balance between coverage and cost. If you live in
the middle of the Arizona desert do you really need that add-on
flooding cover for example?! But nevertheless, only you know what
you need covered, and if it makes you feel better (and you are willing
to pay for it) then go for it. That said, home owners insurance
is not a luxury. It is a necessity for anyone who is shocked by
facts such as that according to the US Fire Administration, in 2010 (the lastest year that figures are available as-of April 2012) there were 362,100 residential fires reported in the United States, with direct property losses in 2010 due to fires
being $6.65 billion.
And that is just fires!
In 2010 the FBI compiled burglary data that
showed Burglary offenses nationwide in 2010 were estimated at
2,159,878, with the FBI estimating that these were responsible for $4.6 billion of property losses.
And that figure is likely to only go up over the next few
years. So the need for comprehensive homeowners insurance is becoming
even more compelling.
To get some home insurance quotes and protect yourself right now put your zip code in the box above, or else read our comprehensive guides to home insurance below, or in your particular state over on the right hand side.