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 Whether you own a home or rent, homeowners insurance helps you sleep easy. No matter what happens; you'll be covered. And at Causeworth your personal agent will be with you every step of the way. Because Causeworth Insurance has more than 60 carriers to shop the industry, you get peace of mind and the best price for your coverage. 

What is Homeowner's Insurance?

As its name suggests, homeowners insurance protects you if your home is damaged or destroyed. In addition, it covers your family's possessions and can provide you with compensation for liability claims, medical expenses, and other amounts that result from property damage and personal injury suffered by others. By paying insurance premiums, and satisfying the other requirements of your insurance company, you can protect yourself in the event of loss due to unforeseen and/or catastrophic events. You still won't be able to predict when lightning will strike your house, but you will sleep better at night knowing that homeowners insurance can save you from financial ruin if such an event happens. 

Why do you need it?

What do you need to know?

Homeowner’s insurance protects more than the owner of a house. Generally, it protects anyone named on the policy, you, a spouse, residents of the home (other than renters), household employees, guests and visitors.

The property insurance section of your homeowner’s policy protects more than your actual home or dwelling. In most cases, the insurance company should reimburse you for damage or theft affecting your dwelling; any structures attached to the dwelling; structures on your premises that are not attached to the dwelling; personal property; loss of use of your dwelling and liability if you or another insured are found responsible for personal injury or property damage to another.

There is a wide variety of damages, conditions, and costs that are not covered by standard homeowners insurance. Here are a few examples:

• the land underneath your home is damaged
• your claim exceeds your maximum stated coverage amount
• you have flood damage
• you have losses related to business activities in your home
• your liability results from injuries suffered by a tenant
• your claim is covered by other pre-existing insurance
• your claim was caused by someone else who is insured under your party

To cover yourself against losses such as these your homeowner’s policy can be amended by adding endorsements to your policy. Other coverages, such as flood insurance, has to be purchased under a separate insurance program. Still, other coverage can be obtained by purchasing a policy that covers a broader list of perils. The cost of homeowner's insurance will depend upon the amount of your coverage, any endorsements you add to the policy, and the deductibles you choose.