Personal Insurance

INDEPENDENT Homeowners insurance

What matters most. Protected.

What is homeowners insurance?

Homeowners insurance provides financial security for your home, your family, and your personal belongings in the event that something tragic occurs. Our independent homeowners insurance agents can help you select a policy that’s right for you.

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A standard policy generally comes packaged with the following four types of coverage:

Home

If your residence is damaged or destroyed, this type of coverage will help pay to repair or rebuild the structure.

Other structures

This coverage protects against damage to other buildings on your property, such as detached garages, sheds, fences, and more.

Personal property

If your personal belongings—such as clothing, furniture, and electronics—are ever damaged or stolen, this coverage will help reimburse you for the value of the items.

Liability

Liability coverage helps pay for costs resulting from damage to a neighbor's property or injury to someone on yours. This can include medical bills, legal expenses, lost wages, and more.

Christensen Group Insurance agent in a meeting listening to a client

Why do you need homeowners insurance? Because accidents happen.

You never know when something unexpected is going to happen, which is why it pays to have the peace of mind that homeowners insurance provides. However, it's important to know that not all natural disasters are covered by a standard homeowners policy. If you live in an area where certain types of damage are common—such as flooding and earthquakes—you should purchase additional coverage for better protection.

‍Fire: As scary as it may be, fires can strike anytime and anywhere. What's most important is to make sure you and your family are safe. Your homeowners insurance will help take care of the rest.
‍Strong winds: Extreme winds can knock over trees and power lines, rip off shingles, and even topple sheds and other structures on your property. A homeowners policy will help you pick up the pieces.
‍Hail: A hail-damaged roof is no laughing matter. Depending on the size of your home, replacing an entire roof can easily cost you up to five figures. Don't get caught paying out of pocket for this avoidable expense.
‍Lightning: They say lightning doesn't strike the same place twice, so you won't get a second chance to insure your home from electrical storm damage.
‍Random injuries: Your liability coverage will help financially protect you in the event that a guest slips on your icy walkway, falls off your trampoline, or sustains a serious injury of any kind while within the boundaries of your property.

Who should get homeowners insurance?

Those who own a home

There's a very good reason it's in the name—if you own a home, you need a homeowners policy. It's that simple. Since your name is on the deed, you will be the one held financially responsible should anything happen.

Those who own a condo

While your condominium association likely has its own coverage for the building and property, it won't protect the interior of your unit or your personal property within. That's where a specialized condo insurance policy comes in.

Those who rent

If you live in a rental property such as an apartment, you don't need homeowners insurance, per se. However, you should absolutely invest in Renter's Insurance to protect your personal belongings that are not covered under your landlord's policy.

Landlords

If you're still living on the premises and plan to rent out a single room or floor to a tenant, a traditional homeowners policy should be sufficient. If, however, you plan to rent out your entire single-family home, you're a good candidate for landlord insurance, which covers everything but the personal property of your tenants.