Stay Protected From the Unexpected
Homeowners Insurance
When it comes to insurance, the home is no doubt the most important thing to insure. It’s where you’re going to make lasting memories with family and friends, so keep yourself fully protected with our family-in-mind coverage plans.
Contact us today to find out how we can help.
Homeowners Insurance Featured Coverage
Want to know what’s covered when unexpected events hit your home and your family? Take a look at our following featured coverages.
Liability
In the event of a lawsuit against you, your home insurance will help pay for any claims and legal fees you are liable for. For example, if someone slips on ice in your driveway and becomes injured, your insurance would cover their medical expenses.
Personal Belongings
All your items such as jewelry, antiques, clothes, TVs and computers are insured for things such as fire and theft. Your belongings will be listed during your initial homeowner’s insurance consultation.
Hotel and Living Expenses
Want to know what’s covered when unexpected events hit your home and your family? Take a look at our following featured coverages.
Premier Claims Service
Fletcher Insurance Group guarantees the highest quality claim service to bring your home and life back to normal as quickly as possible.
Factors That Determine Homeowners Insurance Premiums
If you’re looking for answers as to how your premium is calculated or how you may be able to save on your premium, please refer to the following factors:
Home Features, Structure and Characteristics
How old your home is, the structure design, electrical wiring, roof type, garage specifications and much more all go into determining your monthly premium. In general, older homes cost more to insure and will depend on what the home is predominantly made from.
Location
The location of your home also influences your premium. For example, homes in areas where natural disasters frequently occur will have higher premiums than other homes in the country.
Security Systems
Alarm systems, smoke detectors, in-door sprinkler systems and premium locking hardware can help you keep your premium lower.
Personal Differentiators
Adverse consumer reports and prior claims can have an effect on your premiums.
To get help developing a personalized coverage plan for your home, please request a quote to speak with one of our qualified reps.