What is homeowners insurance?
If your home is damaged or destroyed due to a covered event, it will be repaired or replaced. Simple as that. For most of us, our home is our single biggest investment. Homeowners insurance provides coverage for personal belongings and the dwelling or structure on the property, as well as liability coverage to pay for bodily injury and property damage.
What is covered?
Your house and separate structures are covered for various types of damage, subject to common exclusions such as wear and tear, earth movement, earthquake, flood, water damage and nuclear hazard. In addition, attached structures and wall-to-wall carpeting are covered. Separate structures on your property other than those used for business purposes (such as a detached garage or tool shed), are covered up to 10 percent of the coverage on your house. Higher limits are available for additional premium.
“I am an Independent Insurance Advisor based out of Rockford, IL and licensed in the states of Illinois and Wisconsin. I am proud to service the greater Rockford area – including: Belvidere, Marengo, Loves Park, Machesney Park, Freeport, Rockton, Roscoe, South Beloit, and Beloit (Northern Illinois and Southern Wisconsin).
I would appreciate the opportunity of helping you and your friends/family with all your insurance needs, including:
- doing a comprehensive review of your current insurance situation
- providing you with some competitive insurance quotes
I am ready and happy to help – Contact me today for your FreeVIPQuote, Thank you.” – Oscar G. Castillo