Homeowner’s Insurance

Homeowners’ Insurance

For most of us, buying a home is one of the largest purchases we’ll ever make. Home is where decades of memories are made with family and friends. Make sure your home is protected against disasters with the right policy for your home. At Huwel Insurance, we understand your homeowners’ insurance will evolve over the time the same way your family does! As you add on or update your home, upgrade or purchase new items, or begin the downsizing process, we’ll be here for you! We proudly represent over a dozen top-rated carriers, allowing our team to find the best price for the coverage you need. This includes several specialty carriers who may cover areas specialty areas such as renters’ insurance or unique items you may own. Our office is conveniently located in O’Bryonville. Our dedicated team has decades of experience in the insurance industry and our client-focused approach sets us apart from everyone else in the Tri-State! Get started today with a free quote.


What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy meaning it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people, including damage caused by household pets. Damage caused by most disasters is covered, but there are major exceptions including: floods, earthquakes and poor maintenance. Flood and earthquake coverage can be purchased separately and may be required for your home. Maintenance-related problems are the homeowners’ responsibility.

Why Do You Need Homeowners Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments. In many cases, proper coverage is required as part of your mortgage agreement. Homeowners insurance is designed to cover unexpected events such as:
• If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it
• If a guest in your home is injured, liability protection and medical coverage help pay expenses
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs
• If you are still paying for your home, your lender will require insurance
Our team will help you identify exactly what your policy covers and what it doesn’t, and offer additional coverage if necessary.

Things to Ask Your Agent

Here are few things to discuss with your agent that will influence your decisions:
• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
• What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)