Homeowners Insurance

Homeowners Insurance

Stonewall Insurance Agency will provide options that are unique to your coverage needs. Our agents will take the time to provide you with the right policy at the most affordable price. With something as important as your home, it is important to make sure every corner of your home is covered. It’s not about simply paying off the remaining loan if something happens to your home. It’s about covering the loss of your possessions, those that can be replaced, if something happens to your home. Let us do the work for you!

Fire, wind, rain, and burglary are real risks American homeowners face every day. Insurance can’t replace everything but it makes replacing many of the items you’ve lost a little easier.

You must first cover the physical structure of your home. Keep in mind you should always cover this for more than the appraised value of your home because rebuilding costs more as your home must be brought up to current code requirements.

You must also insure the contents of your home to replace the furnishings and other items you have lost. Then, you must also have insurance to protect your home and other assets in the event that someone is harmed on your property. This type of coverage is called liability insurance.

You will have some degree of coverage for each of these in a standard homeowner’s insurance policy. However, if you operate a business from your home, host frequent parties and events on your property, or live in a high-risk area, you may consider purchasing additional amounts of coverage and/or certain rider policies. An independent insurance agent can walk you through the process to help identify specific insurance coverage needs you may have that a standard policy will not cover.

Renters’ Insurance

Many renters are unaware that there is even the possibility of obtaining renters’ insurance. With some policies, bundling this with auto insurance or other insurance plans can make the costs well worth the potential benefits if your possessions become damaged by an apartment fire or some other covered event.

Condo Insurance

Most condo complexes offer a standard insurance policy that covers little more than the structure of the unit itself. It doesn’t cover the replacement of possessions, furnishings, etc. More importantly, condo insurance doesn’t replace some things within the condo you might expect, such as cabinetry, kitchen and bathroom faucets, carpeting, tile, etc. You need an additional policy in order to have adequate protection from Mother Nature, faulty wiring, or an entire host of other potential problems.

Working with an independent agent can help you understand the policy you have through the condo association as well as the type of policy you need to fill in the gaps and be protected.

Landlord Insurance

If you are a landlord you need insurance too. You need insurance to cover the physical structure, outlying buildings, personal belongings on the property, and liability insurance. You may need additional insurance coverage and protection, depending on your situation and location of the property. It’s best to consult with an independent insurance agent to understand what your needs are and what kind of coverage is available to meet them.

Stonewall Insurance Agency is an independent agency that operates in the same city where you work and play. They know the roads you walk and live right down the road. They can help you understand your unique insurance needs and identify the policies and plans that meet them best.