Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Homeowners insurance provides a financial safety net for covered incidents in your home. At Transworld Insurance Group, we want to help you find a homeowners insurance policy that fits your specific needs. Give us a call today to get started.
What Does Homeowners Insurance Cover?
Every homeowners insurance policy is unique, offering different coverages to provide targeted protection for every home. Some common coverages include:
- Possessions insurance—This portion of your policy helps pay for damage to your personal belongings, including furniture, electronics and clothing. High-value or expensive items may require an additional scheduled items rider for your policy to secure proper protection.
- Structure protection—This type of coverage protects the physical structure of your home by covering damage costs related to inclement weather, theft and a variety of other issues.
- Detached structures coverage—You can use this type of coverage to insure other structures on your property besides your home. Fences, detached garages and gazebos are examples of detached structures that may be able to be insured under your home insurance policy.
- Liability coverage—This portion of your policy helps pay for costs related to third-party injury or property damage, whether the incident occurs on or off your property.
- Additional living expense protection—If a covered incident occurs and you need to leave your home for repairs or replacements, this coverage will help you pay for living expenses such as meals and hotel bills until you can move back.
You may also add extra benefits to your policy such as scheduled items riders, umbrella liability insurance or other severe weather protections, like flood, earthquake and windstorm insurance.
How Much Insurance Should I Buy?
The appropriate amount of insurance depends on your individual needs. However, if you are mortgaging your home, most lenders require you to have at least enough insurance to cover the replacement cost of your home before they approve a loan.
Get Homeowners Insurance Today
Whether you’re a first-time buyer or just shopping around for a better price, Transworld Insurance Group can help you find the right policy for you. Contact us today to discuss your homeowners insurance needs.