Homeowners Insurance

Homeowners insurance is about protecting yourself financially if something unexpected happens to your home or possessions. Your home is likely one of your largest investments, and insurance helps safeguard it against a variety of risks:

• Fire or natural disasters: Provides funds to repair or replace your home.
• Liability protection: Covers expenses if a guest is injured on your property.
• Theft or vandalism: Reimburses you for lost or damaged belongings.
• Mortgage requirement: Most lenders require insurance if you are still paying off your home.

Note: Homeowners insurance covers unexpected damage, not routine maintenance. Always ask your agent about what is included in your policy so there are no surprises.

Things to Consider When Choosing a Homeowners Policy

• Rebuilding cost: How much will it cost to rebuild your home and replace your belongings? Work with your agent to evaluate your home’s features and possessions.
• Company reputation: Is the insurance provider known for fair, prompt claims handling and good customer service?
• Available discounts: Ask about multi-policy, security system, and fire-resistant home discounts.
• Claims process: Understand who to call and what steps are involved in filing and settling a claim.

At The Olderman & Hallihan Agency, our agents are committed to helping you find affordable, comprehensive coverage designed to protect your largest asset.

For more information, call us at (203) 734-1601 or Contact Us today!