You may not be required to carry homeowners insurance in the state you reside in, but it is a sensible choice. Many factors come into play when designing a homeowners insurance policy including the type of residence you own, whether or not you have a security system in place and where your home is located. Home insurance rates will vary depending on such factors, so it’s important to consult an experienced agent before selecting your plan. The agents at Horn-McGowan will help ease the process for you.  A basic homeowners insurance policy will cover the following:

• The structure of your home

• Replacement costs

• Personal possessions (up to a set limit)

• Living expenses in case of a disaster<

• Liability

 

You can purchase supplemental policies to add to your home insurance suite such as:

• Valuable Articles/Floater policies (i.e. Jewelry Insurance)

• Flood policies

• Earthquake policies

• Umbrella policies (additional liability)

• Animal Liability (liability issues due to household pets)

 

At Horn-McGowan, we understand that selecting the ideal homeowner's insurance can be daunting. Don’t get overwhelmed–our trustworthy agents are prepared to advise you no matter where you reside.  Homeowners insurance can act as a financial safety net if destruction or liability wreaks havoc on your house. Let Horn-McGowan assist you in choosing the correct homeowner's insurance policy for your unique needs. Give us a call today at 773-777-6000 to learn more about home insurance, or click to contant an agent.