Homeowners Insurance CoverageYou know what matters most. Choose the coverage you
want at a price that fits your budget.
The single biggest investment you may make in life is your home. But it’s so much more than that! Your home represents your family, your lifestyle, your escape from the world outside, and that reward for years of hard work and dedication. Are you sure you've protected your investment? Let us review your homeowner's policy with you and make sure there are no gaps in coverage. Home Insurance at the Eiben Insurance Agency, you get so much more than just coverage.
Even if you don’t own a home, you probably own a great deal more than you think. Consider all of your furniture, electronics, clothing, appliances, and jewelry, as well as any art, books, or musical instruments you own. And beyond your personal property, what if you’re found liable for injuries sustained by visitors in your home as a result of negligence? Well that’s where Farmers Renters Insurance comes in. It protects your personal property, and even covers you from liability claims while you’re renting. And, if your rented home ever needs serious repairs, and you’re unable to live there, it also covers the reasonable and necessary increase in living expenses (housing, food, etc.) you may incur.
Different ways we help you save on great Home Insurance.
"Property Damage" coverage is designed to help pay for damage to your home and personal property.
"Other Structures" coverage will help protect your detached garage, tool shed, and other unattached structures. Generally, the coverage is 10% of the amount for which your home is insured.
"Personal Property" coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area.
If you need additional coverage for higher valued items, please ask us.
Personal Property Floater
A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater itemizes each item, gives a description of the item insured, and lists excluded perils. It normally provides coverage that is broader than the coverage in your standard homeowners insurance policy. Please ask us if you need an evaluation of your risk in this area.
Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.
Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle "small" injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family.
Where will you live if your home is badly damaged?
If move into a hotel or apartment for awhile because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits..