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Homeowners Insurance


Homeowners Insurance Information

Other insurance companies will tell you “most” people choose them for X reason. Some of the big companies don’t even give you a reason why you should choose them.

Our reason is simple: At PLR, we believe that everyone's insurance needs are not the same.

Our approach to homeowners insurance begins with a conversation; we want to learn about you--your life, your home, your needs. We use that information and our expertise to match you with the policy that gives you the coverage and peace of mind you need, without busting your bank account.

If you are ready to start the conversation, we would love to talk to you. But if you’re not quite ready, we encourage you to check out the information below.


What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other peoplethis includes damage caused by household pets.

For the sake of full honesty, while damage caused by most disasters is covered, there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because, chances are, your home is likely one of your largest investments. Take a moment to think about the below scenarios.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.

  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.

  • If you are a victim of theft and vandalism, homeowners insurance can reimburse you for your loss or pay for repairs.

Additionally, if you are still paying for your home, your lender will require insurance. And, it is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance.

Things to consider and questions to ask your agent

In order to make the right decision, below are a few things we recommend you discuss with your agent:

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

  • What discounts are available? (PLR offers discounts for multiple policies, security systems and other protective devices.)

  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

 

Finally, never leave anything to chance. Always be sure to read your policy so you know exactly what's included and what is not.


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

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