Homeowners Insurance Information
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
Ifft & Palmer understands homes of all types and ages: condos, co-ops, town homes, and custom built. We also know that your home is an emotional as well as financial investment. It’s your safe haven. It’s where you bring up your family and make memories that last a lifetime. If anything disastrous should happen to it, we realize that you’d want to rebuild your home just as it was before – with the same quality and character as it had. Not all policies can do this.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Other Coverages to Consider:
Ask us today about these additional coverage you may be able to take advantage of!