Personal Insurance

home

Moving your homeowners plan to Statewide Insurance will allow us to customize the coverage on your home ensuring there are no gaps in protecting your investment and your family. We will shop dozens of top-rated companies to find you the best combination of coverage, price and service.

The risk management team will discover what contents you value the most and make sure these items are fully covered. Understanding the special limits on personal items like jewelry, silver, firearms, money, coins and securities is important when determining your coverage plan. Our team will take the time to help you understand your replacement costs and the market value for your home as well as the factors Involved in that estimate.

We will conduct a replacement cost calculation to make sure that you can rebuild your house if it is destroyed by fire, storms or other perils. Understanding these factors can be confusing, but our team Is here to help you. If you are under-insured with another insurance carrier, you still pay your deductible and then you will also have to pay for the shortage in replacement cost if you want to rebuild your home.

What does homeowners insurance cover?

Losses caused by:

  • Weather: Storms, fire, wind, hail, lightning, freezing of a plumbing system, weight of ice, snow or sleet
  • Non-weather: Theft, vandalism, riots, aircraft and vehicles
  • Accidental Direct Physical Loss: Water from plumbing, tearing/bulging of heating or cooling systems, artificially generated electrical current

Coverages provided for:

  • Home
  • Condominium
  • Renters
  • Rental Dwellings
  • Farm and Ranch
  • Personal Articles
  • Motor Homes

Contact a Statewide Insurance Team Member for more info