Home Insurance

Home Insurance
Protect your house — and your possessions — with homeowners insurance through one of our A-rated companies. Insurance protection is an important aspect of homeownership. Homeowners insurance means buying protection for your home and possessions — both inside and out. If you already know what kind of home insurance policy you need, get a homeowners insurance quote today.

What is Home Insurance?

Purchasing a homeowners insurance policy provides added security for your investment. Homeowners insurance compensates you for losses to your home and your possessions inside as well as from financial losses caused by storms, fire, theft and other events outlined in your policy. Homeowners insurance also protects you if you’re legally liable for someone’s injuries on your property.

Different companies offer different homeowners insurance coverages, so choosing the right policy means finding the right mix of coverages to meet your needs.

Generally, a standard homeowners insurance policy protects the following:

  • The physical structure of your home;
  • Structures on your property (storage sheds, pools, boathouses, etc.);
  • Your personal property and belongings inside your home, up to specified limits;
  • Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people;
  • Injuries to your household pets while inside your home; and
  • Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home.

Often, for an additional fee, you can select optional homeowners insurance coverages, including:

  • Higher limits of liability for property damage or bodily injury;
  • Replacement cost for personal property;
  • Protection for valuables (jewelry, watches, fur, etc.); and
  • Additional coverage for electronics or computer equipment.

To make shopping for the right homeowners insurance policy easier, take an inventory of what you own to decide what level of coverage makes you comfortable. Once you know your coverage level, get a homeowners insurance quote and choose the policy that’s right for you.

Contact Holmes Insurance to learn more about Home Insurance.

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Holmes Insurance in Edwardsville, IL

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