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Homeowners and Renters Coverage

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What Does Homeowners Insurance Cover?

Homeowners insurance is designed to repair, replace or recover the value of what you have on your policy if it’s damaged due to a variety of causes. 

Some Types of Claims 

  • Property Damage - This is the largest type of claim for homes, which

  • can include damage to your house and any structures on your property

  • due to water, fire and severe storms among others.

  • Natural Disasters - Homewreckers like floods and earthquakes are

  • usually not covered by basic plans, meaning, you’ll need added

  • coverage or a separate policy to keep your goodies protected.

  • Personal Liability - This can cover you financially if someone is injured

  • or their personal belongings are damaged while in your possession

  • or on your property.

  • Extra Living Expense - If your house is too messed up to live in while

  • it’s being repaired or rebuilt, most policies will pay for a hotel and other

  • living expenses, like groceries.

  • Personal Property - This depends on the policy. Items like furniture and clothing may only be covered up to a depreciated value unless you have replacement cost on contents. Items like your jewelry or collectibles might not have any coverage and could need additional insurance. 

Is Homeowners Insurance Mandatory?

Homeowners insurance is not required by law, but most mortgage holders require this. Each loan is different, some will require replacement cost and some covering the amount of the loan.

Do I Need Renters Insurance?

Some apartments or landlords require renters insurance. It is not

always required. However, a renters policy can cost as little as $75

per YEAR! For such a small amount of money, it is a great way to

protect you and your personal property.

Why come to Weimer Over?

As an. Independent insurance agency, we simplify the process by

shopping and comparing dozens of home insurance quotes for you.

We can also clarify the fine print so you know exactly what you’re

getting. Plus, Weimer Over agents work for YOU and not one insurance

company. We check policies from multiple carriers to find the right

coverage at the best price.


How to Make Sure You're Adequately Covered

Most homeowners think they are fully covered. Many are not. Figuring this out after a claim occurs can be extremely infuriating. Finding the right coverage depends on a number of factors. Here are several options to help you.

                                                                                     Three Home Insurance Hacks                                                                                                                                                                     -Purchase an umbrella policy to increase liability coverage by $1 million or more                                                                                   -Protect high value items like jewelry and art through “riders” or “endorsements.”

                                                                             -Get replacement cost home insurance instead of “actual cash value,” AVC only                                                                                       covers the current depreciated value of the home..

                                                                                                Average Cost of Home Insurance

                                                                              The average annual cost of homeowners insurance is $1,132 nationwide, but that                                                                                  cost can vary region to region, based on nasty hazards like hurricanes,                                                                                                      wildfires, floods and earthquakes.

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