Homeowners insurance protects perhaps your biggest investment. A standard homeowner’s insurance policy covers the dwelling, other structures, personal property, loss of use, personal liability and medical payments to others. Every homeowner’s policy we write covers replacement cost of lost contents. Damage or loss due to fire, lightning, windstorm, explosion, smoke, vandalism, weight of ice or snow or freezing is generally covered.
Rodgers Insurance also offers a variety of additional homeowner’s insurance coverage, which can be tailored to your needs. Some of those coverages include:
Water / Sewer Back up This broadens your coverage for loss due to water backup through sewers, drains, or in some cases, sump pumps.
ID Theft Identity theft insurance helps protect your vital information and keeps you from spending hours trying to restore your credit and good name.
Earthquake insurance This insurance provides additional coverage due to earthquake damage. It is a separate policy with its own deductible.
Flood insurance This option protects your home and contents from flood damage. It is a separate policy with its own deductible.
Renters Insurance is a relatively inexpensive way to protect your belongings if you rent your apartment, condo or home. Your landlord’s insurance only protects the building, so if there’s a fire or other disaster, you face a total loss of everything you own.
Ordinance or Law – This option pays for the increased expense or rebuilding due to current building codes or ordinances. For example, current zoning laws may require all new construction to have sprinkler systems. In addition, waterfront homes have to meet new codes, too.
The homeowner’s insurance experts at Rodgers Insurance will guide you through the process of determining what coverage, and how much coverage you need to protect your home and valuables in the event of a loss.