Protection for your most important asset

Why is homeowner insurance so necessary?

If you’re like most folks, you have worked hard and saved for your home. It’s probably your most important asset. That’s why you should protect it with the right homeowner policy.

Without insurance, if something were to happen to your home, you would have to pay for repairs or rebuilding out of your own savings, which most people can’t afford. Fortunately, homeowner insurance takes away that worry by protecting your home in the event of unexpected disasters like storms, hail, wind, fire, vandalism, and theft.

What does homeowner insurance cover?

Typical homeowner policies cover a wide range of property elements:

• The dwelling
• Personal property inside the home (furnishings, electronics, clothing, etc.)
• Liability (if someone outside your household has an accident on your property)
• Medical care for injuries related to the above
• Additional living expenses (if you need to live elsewhere while your home is being repaired or reconstructed)

Be sure to let us know if you have valuables in your home that you would like covered. We may need to add extra protection for items such as:

• Jewelry
• Fine art
• Antiques
• Furs
• Firearms
• Collectibles
• Precious metals

How do you decide how much coverage you need?

We understand every homeowner is different. So, we work with you to determine how much coverage you need. You can take a photo or video inventory of your home to help. We also consider your budget to make sure you get sufficient coverage at a price you can afford.

Finally, we look at extras you may wish to add for greater peace of mind, depending on your unique situation, such as flood insurance, earthquake insurance, landlord insurance, or vacation home rental insurance. If you rent out part of your home on a homeshare website, for example, you want to make sure you have the right coverage. If you have dogs, you may want to increase your liability coverage with a personal umbrella policy that protects you in the event of a bite.

Homeowner policies tailored to you

Personalized service from independent agents

When you want a homeowner policy custom made for you, Halligan Insurance Group is the one to call. Our independent agents have a large menu of homeowner insurance products available to you. We specialize in finding insurance for firefighters and EMTs. Call 800-509-6370 to start your quote. Don’t let your home go without the protection it needs.

Get a Free Homeowner Insurance Quote