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. This means that 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. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Your home is probably your most valuable asset. For that reason, you should have a homeowner policy that provides you the protection you need at the best possible price. Our multi-policy discounts, if packaged with your personal auto insurance, can really reduce your total insurance premiums.

At Freeman Insurance Agency, we will sit down with you and determine the type of coverage that best fits your needs.