Home Insurance Overview

Your home is very likely the most important financial investment you will ever make in your life.

Not only is it the most expensive purchase, but it’s where you live. It’s your castle and your family’s home base.

Our agency can give you peace of mind with home insurance designed just for you.

A home insurance policy should be selected carefully. The first step is to get familiar with the things a home insurance policy covers.

Read on for a home insurance policy overview.

The dwelling: Most home insurance policies refer to the actual house as the dwelling. This is usually the most significant part of a home insurance policy. It is the limit that covers the replacement or repair of the home.

This limit is based on what it would cost to replace your home. Construction type, construction costs, square footage and finishing are used to calculate the replacement cost of your home.

Our agency has the expertise to make sure your home is insured to its value.

Other structures:  This is the limit on your home insurance policy that covers any other structure on your property that is not attached to the dwelling.

You may have a shed or a detached garage. Other structures like these are often the first to be damaged in a claim.

Personal property: Personal property coverage is for all the contents of your home. Imagine that you removed the roof and turned your home upside down. Personal property is anything that would fall out – clothing, electronics and furniture to name only a few.

High value personal property: Coverage for highly valuable items such as jewelry, antiques or fine art may need to be added to your home policy.

The standard personal property coverage that comes with your home insurance may not have enough coverage for certain types of highly valuable items.

We can help make sure those items are covered with an endorsement to your home insurance or a separate policy.

Liability: This is an important part of a home insurance policy that is often overlooked. Liability insurance protects you from lawsuits.

For example, if someone at your home is injured in a slip and fall accident and files a lawsuit against you, the liability coverage on your home policy will pay for any legal fees and damages you are found liable for.

Additional Living Expenses: If your home is involved in a major loss and is not fit to live in, your home insurance policy will pay for you to live in a hotel while repairs are made.

Custom built coverage: Most home insurance policies share some basic coverages like those above. But, there are many options to tailor your insurance to your home and your life.

Limitations: It is also very important that you are aware of limitations on your policy. For example what if you rent your home out a few times a year, are you covered? What about if an earthquake strikes near you? Do you know about special wind deductibles or wind exclusions? Hail limitations? Dog liability? Lots of questions that need to be answered by a professional broker like Balsiger Insurance!

Your home insurance policy must be written to protect what makes your home yours – pools, patios or ceramic roof tiles. Your home is unique, and your home insurance should be unique too.

Our independent insurance agency can help you select deductibles, additional coverages and even other policies to make sure your home is covered.

Whether you live in a suburban dream home, a sleek modern flat or in a high rise in the sky, we can insure it. Call us today for a home insurance quote.

Balsiger Insurance has offices is California, Nevada, and Texas. We service many states throughout the United States. To learn more about our specific location coverages, please click on the following city links. We offer home insurance in Reno, NV and Las Vegas, NV and Henderson, NV through our Nevada locations. We also offer homeowners insurance out of our office in Corpus Christi, TX. To learn more about our company and our team, contact us at 1-866-872-0156.