Home Insurance

There’s a reason they say Home is where the heart is. Your home is more than an investment. It’s the place you eat, sleep, work and play. It’s where you gather with friends, and spend time with family. In short, it’s where your LIFE is. Unfortunately, homes are also vulnerable to anything from Mother Nature’s wrath to a burglar’s whims.

But your wallet doesn’t have to take a hit if your four walls do. Quality home insurance coverage can protect you financially if your home — or anything inside it — is damaged.

But which policy should you choose? Because everyone’s needs are not the same, it is best to consult with the experienced agents at Fleming & Riles Insurance to help assess your needs and find the insurance policy that is right for you and your home.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.