Your home is likely to be one of your most significant investments. Many unexpected events can occur that cause damage to your structure and some costly repair and restoration work. Home insurance helps you to cover these costs, so you don’t have to dip into your savings or incur more debt for repairs. At Kubena Insurance Agency, we can help you find the right home insurance for your unique needs.
If you have a mortgage, you will be required to carry homeowners’ insurance to protect the institution’s investment in your property. But even homes that are fully paid for will benefit from homeowner’s coverage. Weather events, electrical fires, and theft can occur at any time. When these incidents occur, insurance coverage can help defray the costs of repair and restoration. Without insurance coverage, homeowners have to fully fund expensive repairs and replacements out of their own pockets.
Homeowner’s coverage is available at several different levels. The amount of coverage is reflected in the price of premiums. You can choose a basic level of coverage, such as for fire, lightning strikes, and windstorms. Policies with broader coverage are also available, covering events such as damage from ice and snow, freezing of HVAC systems, or loss of personal belongings. Comprehensive policies offer the broadest coverage for many types of events. You can choose your level of the deductible to help reduce the cost of the insurance.
An experienced insurance agent can answer your questions and help you determine how much coverage your home needs. We offer several insurance products, including policies for auto, life, watercraft, and business. Call Kubena Insurance Agency today for your free, no-obligation quote on home insurance that will protect your family against expensive losses.
