Your home may be your castle, but it is still vulnerable to a wide range of risks. When it comes to protecting your house, possessions, and assets against potential hazards and perils, only the highest quality home insurance will do. At Terp Insurance, we offer competitive rates on quality home insurance coverage designed to minimize your risk and protect your assets.
A personalized policy can provide protection against many different perils, some of which include:
- Fire
- Smoke
- Hail
- Wind
- Theft
- Vandalism
- And more
Types of Home Insurance Coverage
Home insurance comes in many different forms. A typical policy includes several different types of coverage, each of which serves an important role in protecting you against loss. Examples include:
Dwelling and Other Structures
You invested a lot into building or purchasing your house. As perhaps your greatest asset, your home deserves to be protected against a wide range of perils. Standard home insurance includes coverage for your house, as well as the other structures on your property. We recommend insuring your property for its replacement value to help cover the full cost of rebuilding or repairing your home after a covered event.
Personal Property
If your purse and luggage are stolen from your car, or you lose all of your belongings in a fire, the personal property coverage in your home insurance policy can provide compensation for your loss.
Liability
If a guest slips and falls down your stairs, your homeowner’s liability insurance can help cover the medical bills. This coverage is also important for protecting your assets and income against accident-related litigation. If you or a member of your household is at-fault for an injury, your liability coverage can help pay for legal fees, judgments, and settlements related to the case.
Loss of Use (Displacement)
Imagine having to find somewhere else to live while your home is rebuilt. In addition to paying your mortgage, you now have to pay rent or perhaps a nightly hotel charge. Home insurance can provide reimbursement of your excess living expenses due to the cost of temporary living arrangements when you are displaced from your home due to a covered event.
Renters Insurance
Renting has its perks – greater flexibility, no maintenance, and less to insure. Of course, that does not mean you are immune to risk. Even if you do not own the place you call home, you still need insurance to protect yourself and your belongings and against an accident or covered risks, such as fire or theft. Renters insurance typically includes coverage for:
- Personal Property
- Personal Liability
- Temporary Displacement
Manitowoc Renters and Home Insurance Quotes
If you live in the greater Manitowoc area, let Terp Insurance help you save on home or renters insurance. As an independent agency, we work for our clients, not the insurance companies. We understand the unique needs and risks of local Wisconsin residents, and we work hard to find competitive rates on the insurance you need without sacrificing the quality of your coverage. We can also show you additional ways to save on your premiums, such as by raising your deductible or purchasing your auto insurance with the same carrier as your home or renters coverage.
For more information or to request your free home or renters insurance quote, contact our office today.
