Home Owner’s Insurance
Homeowner’s insurance is one of the most sophisticated, complex and emotional types of insurance out there. Not only is a home one of the largest investments a person can ever make, but it is also where your family lives and plays. Mints Insurance Agency understands the importance of protecting your home as comprehensively as possible, however most homeowners view homeowner’s insurance as a one size fits all policy.
In actuality, there is a great variety and differences in the scope and the level of insurance coverage from one homeowners product to another. The majority of homeowners insurance policies cover theft, fire and liability as well as the physical structure of the home and your personal property within that structure. Some insurance policies for the home can also cover personal property anywhere in the world and may include personal liability coverage, which protects the insured from allegations of property damage or bodily injury due to negligence. Feeling overwhelmed? Mints can help. Our agents have first hand experience as well as a wealth of knowledge to help them identify a clients’ exact homeowners requirements in a manner that is affordable and comprehensive.
Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.
Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property’s flood risk.
All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there’s a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.