Homeowner Insurance Is a Must If You’ve Invested in a Home
Protecting your greatest asset
If you own a home, you’ve no doubt worked hard and saved for it. But that investment could be gone in minutes if the worst happens. Every year in Montana, people lose their homes to fire and storms. That’s why we recommend purchasing homeowner insurance coverage to our clients in Hamilton.
A homeowner policy protects your greatest investment, so you don’t have to use your personal savings for major repairs or rebuilding. In fact, your mortgage lender may require homeowner insurance to protect their part of the investment too.
Coverage for your dwelling and belongings
A homeowner policy covers the entire home. The structure is protected by your policy, as well as the interior of the home. This includes your furniture, decorations, housewares, electronics, sporting goods, kids' belongings, and clothing. Your home and personal property are protected in the event of vandalism or theft too.
You Get Liability Coverage and More with a Homeowner Policy
Did you know most homeowner policies also provide liability coverage? This means if someone injures themselves on your property and successfully sues you for legal damages, your insurance policy covers the expense, up to a certain amount.
Alternative living expenses
Most homeowner policies also cover alternative living expenses, also known as ALE or loss of use coverage. If you are not able to live in your home while it is repaired or reconstructed, this coverage pays for the expense of living elsewhere, often for up to two years.
Consider Additional Protection for Valuables and Increased Liability Coverage
While homeowner policies cover most things inside the home, there are some valuables that typically require extra scheduled coverage. Ask us if you have any of the following:
We can add coverage to your homeowner policy for these special items.
If you are interested in increasing your liability coverage, an umbrella policy will pick up where your homeowner policy liability insurance leaves off. We recommend this for our high net worth clients in Hamilton, as well as for many dog owners in case of dog bite incidents.
Reach Out for Homeowner Insurance Policy That’s Just for You
Independent agents offering personalized service
We’re independent agents at Compass Insurance Group, so we have a wider array of homeowner policy options for you than you’ll find with big insurance companies. And our personalized service can’t be beat. We tailor every homeowner policy to the client’s unique needs, so you get the coverage and peace of mind you desire.
Not sure how much coverage you need for your home? No problem. Just make an inventory of your home with your mobile phone camera, and we can help you find the right level of protection.
Don’t let your home go without the coverage it deserves for those unexpected events. Call us at 406-493-5726 today, or reach out online for a quick quote.