Homeowners Insurance
In the most basic sense, homeowners insurance helps to protect your largest asset, your home. It covers your home from theft, fire, weather damage, and other accidents that can happen at your home.
We understand that unplanned things happen which is why we recommend getting a homeowners insurance plan that provides maximum protection on your home, personal belongings, and your health. Whether you need protection for your new house, swimming pool, carports, and everything in between, we’ve got you covered. The insurance agents at Wright Insurance Agency can customize the right plan to meet your needs.
- Renter Insurance
- Mortgage Protection
- Mobile Home Insurance
Home owners policy includes coverages that protect your home from inclement weather damage, fire and theft.
Most basic home owners policies is a multi-policy which includes both property and casualty coverage. Property coverage protects your personal belongings.
What Is Homeowners Insurance?
In the most basic sense, homeowners insurance helps to protect your largest asset, your home. It covers your home from theft, fire, weather damage, and other accidents that can happen at your home.
We understand that unplanned things happen which is why we recommend getting a homeowners insurance plan that provides maximum protection on your home, personal belongings, and your health. Whether you need protection for your new house, swimming pool, carports, and everything in between, we’ve got you covered. The insurance agents at Wright Insurance Agency can customize the right plan to meet your needs.
What Does Homeowners Insurance Cover?
Your homeowner’s insurance coverage can cover as much or as little as you want. Things that can be covered include:
- Your home (single-family, condo, townhouse, mobile home, etc)
- Any structures on your home like, sheds, garages, carports, and pools
- Your belongings within your home
- Fire and weather damage to your home
- Medical Bills (if someone is hurt on your property)
- Hotel stays if your home has damage that makes it unlivable
Our team will work with you directly to make sure your insurance coverage is customized to your unique situation and that you only pay for what you need.
What information do I need to provide to get a home insurance quote? Click the button below to see a list of questions we will ask you.
Additional Homeowners Insurance Coverage Available
- Guaranteed Replacement Cost CoverageWhen coverage A is not enough, the policy will pay the difference subject to a specified maximum. Exclusions and Conditions May Apply.
- Inflation Guard EndorsementEndorsement that attempts to keep coverage on your policy current due to inflation.
- Personal Property Replacement CostAlso Known as (RCV) Coverage is designed to replace homeowner damaged or destroyed property similar to what it was before.
- Scheduled Personal Property EndorsementEndorsement that can be purchased to cover personal possessions of high value.
- Refrigerated Property Coverage Endorsement.Endorsement that can be purchased to cover property in refrigerators and freezers up to a maximum amount
- Water Back Up and Slump Overflow Endorsement
What Does Mobile Home Insurance Cover?
Mobile Home Insurance may cover the following:
- Fire
- Wind
- Theft
- Plant tree shrubs removal
- Water from plumbing, heating, or A/C systems
- Smoke
- Lighting
- Loss of use
- Personal property
- Liability coverage
What is a Mobile Home?
A mobile home is a factory-fabricated transportable housing unit that is used for dwelling with or without a permanent foundation. Mobile Home can be used for any of the following to be eligible for coverage:
- Seasonal dwelling- certain times of the year for vacation, etc.
- Rental property-rented to others
- Owner-occupied- the insurance primary residence for a period of (6) consecutive months or more throughout the year.
What is Renters Insurance?
Renters insurance is coverage for the insured that rents a house, apartment, mobile home, town house that will cover the insured belongings in the event of a covered loss, coverages may include theft, temporary housing, medical expenses and fire.
What does Renters Insurance Cover?
- Theft
- Medical payments
- Liability coverage in the event someone is hurt on your property
- Renters Insurance covers a tenant personal belongings for a covered claim
- Additional living expenses that can help with the cost of temporary housing expenses
Additional coverages for an additional premium can include:
- Sewage backup coverage
- Computer Coverage
Discounts On Homeowners Insurance
We want you to get the best coverage for a price you can afford. That is why we can customize your options to meet your needs and fit within your budget. Here are some ways you can save:
Online Purchase Discount- You could save 10% when you get customized home insurance online
Bundle and Save- You could save hundreds of dollars on combining your auto and home insurance
Newly Purchased Home- Congratulations on your new home! Let us find some savings for you.
Safe Homeowner Program- The longer your home remains policy free, the more you can save.
New Roof Discount- If you have gotten a new roof, talk to us about potential savings on your policy.