Simplify your life by insuring your home with
the right company and for the right coverage.
Protecting Your Home
Your home may be the single largest purchase in your life time. Insurance can protect your investment by being there to pay for damages or home replacement.
Types of homeowner’s insurance
You have choices when insuring your home and we will explain your options and create the package best suited for you.
- Market value vs. Replacement cost
- Deductible amounts
- Temporary living quarters if needed
- Automatic annual adjustment for inflation
- Flood and other natural disaster coverage
What does homeowner’s insurance cost?
Costs vary based on the value of your home, the location and the options you select for your policy. Hanson Insurance is an independent agency and we will obtain pricing for you from multiple companies before we recommend the product we think works best for you.
Is homeowner’s insurance necessary?
If you have a mortgage, your lender most likely requires home insurance as a condition of the loan. Some lenders also require specific options, such as insuring your home for replacement value.
Protecting your Condominium
Insurance for a condo is different from a single family homeowner’s policy. Condo insurance protects the portion that you own – the inside of the building and it’s contents – including the interior walls, ceilings, and floors. The exterior of the building is usually covered by a condo association so it’s important that condo owners have access to association documents to fully understand what is, and is not covered.
Condominium insurance typically includes coverage for:
- The portion of the interior that you own
- Personal property
Protecting Your Property
Apartment insurance provides protection to your personal property and can provide full replacement cost in the event of damage or theft.
Apartment insurance may provides coverage for:
- Your personal property in case of theft, fire or damage
- Property that is damaged or stolen while you are traveling
- Living expenses if you must temporarily move out
Protecting what you own
To protect special collections and objects, an insurance rider or extension to your home insurance policy may be required in order to insure the objects for damage or loss, and at their full market or replacement value.
- stamp collections
- coin collections