American Option Home Owners Insurance

Homeowner’s Insurance covers many things.  It is there to protect your liability in case there is an injury on your property.  It also protects damage to the structure or loss of home and your belongings inside.  Your financial institution will require a home policy be put in place to acquire a loan.  Each policy doesn’t protect against all natural disasters.  This is why we believe your household is unique and it is important to take the time to allow us to go over what is important to you and your family.

 

Basic Coverage
The most basic policies will cover structural damage from fire, theft, vandalism, wind, smoke and anything that isn’t specifically excluded.  Your policy will pay for damages caused by you or your family members and pet’s.  It will also cover valuables while you are away from your home.

Proper Coverage
When dealing with your largest asset you want to make sure it is properly protected.  If a major disaster occurs you want to be made whole.  This is why we stress the importance of Proper Protection.  Your policy is there for the acts we can see happening but also for those that we can’t see.  Limiting your protection to save a few extra dollars can be costly and that is why we have Options.  We always recommend “Replacement Cost” so that you and your family are made whole.

Determining Price
There are many factors that can cause your home premium to vary.  Our job is to make sure that we have the entire picture of your home while going over your coverage’s and options.  There are times that we can save you anywhere from 100’s to 1000’s on your policy while keeping your current coverage’s or bettering them.  Some factors that affect your policy are:

  • Age of your home
  • Location
  • Age of roof
  • Claim history
  • Continuous coverage
  • Coverage’s selected to protect your dwelling and personal property
  • Deductibles

Homeowner’s insurance and remodeling
It’s not unusual for people to make significant changes to their home over the years. If you’re adding a room, pool, or making other structural changes to you home, your home’s value may increase and so will your need for coverage. At the same time, many home remodeling projects can result in discounts and savings for the homeowner. Replacing an older roof, adding an alarm system, updating your plumbing or heating system, and many other home remodeling projects can actually lower your out-of-pocket costs through discounts offered by your insurance company.

Our promise to you

A house is often the single most expensive purchase made by an individual or family. You and your family will grow and change over time, and your need for homeowner’s insurance will change and grow with your family. As you’re determining your need for coverage and protection, we will be there with you every step of the way. We’ll outline your options, explain each product to your satisfaction, and get you the best coverage and best price possible.

 

Where should I start?

Give us a call at 888-985-4032, and we’ll outline your options and help you determine the best coverage for your needs. Homeowner’s insurance is an important piece of your financial well-being, and we can help you choose the policy that makes the most sense for you and your unique needs. You have options.