Brooke Insurance – Home Insurance
Your house is one of your largest investments. Your local Brooke Insurance agent can help you protect this large financial asset and the place you and your family call home.
Home insurance is an insurance policy that protects your home structure and property. Your home insurance policy covers damage done to your home, the contents inside a home and the loss of the homes use (personal living expenses while out of your home due to damage). Your home insurance policy will also protect you against liability from an accident that might occur at your home.
Your local Brooke Insurance agent can also help you secure your valuable possessions under your homeowner policy. You will want to make sure that your homeowner’s insurance is placed with enough coverage to replace the house and also replace the contents inside. Your Brooke Insurance agent can help you determine how much additional coverage above the home’s value should be added onto your policy. Some items that will be covered under your policy are:
• Engagement and Wedding Rings • Fine Jewelry
• Appliances • Clothing
• Furniture • Electronics
• Clothing • Valuables
Damages caused by earthquakes, floods, “Acts of God” or war are excluded from a standard homeowner’s insurance policy. Special insurance policies are available to protect yourself from these possibilities, such as a flood insurance policy.
Most individuals borrow money to finance the purchase of their home. The lenders will require a borrower have home insurance as part of the agreement to qualify for a home loan. This protects the lender’s investment in the case that the house is destroyed. Your home insurance payment and mortgage payment are often rolled into one bill so the lender can ensure that the borrower is paying the insurance premium.
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