Home Insurance

Home can mean so many things but most importantly how you protect can mean so much more. Whether it’s a luxurious estate, countryside home, Condo on the lake or simply a suburban house, its important to understand what risks you face from personal liability to simple water back up coverage in the event your sub-pump fails. At Diversified we can shop multiple carrier to make sure you are getting the best rates for your most important asset!

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The structure of your home

You need enough insurance to cover the cost of rebuilding your home at current construction costs. Don’t include the cost of the land. And don’t base your rebuilding costs on the price you paid for your home. The cost of rebuilding could be more or less than the price you paid or could sell it for today.

Your personal possessions

Most homeowners insurance policies provide coverage for your personal possessions for approximately 50 percent to 70 percent of the amount of insurance you have on the structure or “dwelling” of your home. The limits of the policy typically appear on the Declarations Page.

The cost of additional living expenses

This is a very important feature of a standard homeowners insurance policy. This pays the additional costs of temporarily living away from your home if you can’t live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt.