Homeowners Insurance

While you've placed a substantial sum on the table to purchase your home, your lender will, in most cases, have to put down quite a bit more. That's why your lender requires proof that you're protecting your investment with homeowner's (casualty) insurance.

This protects you and your lender against loss if your home is damaged by Mother Nature's whims--tornadoes, windstorms, lightning, hail, and the weight of ice or snow. It guards against loss from fire, explosions, plumbing disasters, and self-destructing water heaters and air conditioners. It even protects your home against its untimely collision with aircraft or vehicles, or its inability to step out of the way when riots or vandals are in its path.

What type of coverage should you get? Most buyers purchase a general policy that covers the house and its contents. If you live in a flood plain or earthquake zone, you'd be well advised to take out additional coverage.

It's of utmost importance that you keep your policy current. Not only does your home increase in value, but your personal property increases in value as well. Review your policy every few years to be sure that you have adequate coverage for Mother Nature's tantrums.

Whether you're buying or selling, my experience and professional expertise will save you time and money. Please call me when I can be of assistance to you.