Homeowners Insurance

Home Insurance

The American Dream – owning a home.

For many of us the “American dream” will be one of the biggest financial decisions of our lives. The cost of purchasing a home can be hundreds of thousands of dollars and many people use their life savings to pay for it. Unfortunately with large purchases such as a home, comes the risk of great financial loss. This is where we come in with great products for home insurance.

At Hutsenpiller Insurance we help our clients protect their homes by giving them the coverage they need at a price they can afford. Over the years we have selected many carriers to represent that we find to be the most competitive when it comes to property insurance. This allows us to shop your insurance for you, find you the best coverage for the best price. Period. We also take it a step further by explaining what the coverage’s mean, what’s covered and more importantly what’s not covered. We helps our clients sleep at night because they have a full understand of the coverage they have, because after all it’s not just a house, it’s your home.

Basic Home Insurance Coverage Summary

Coverage A Dwelling – Protection for the main structure of your home.

Cov. B Other Structures – This is coverage for any structures not attached to your home. example: shed

Coverage C Personal Property – This line provides coverage for your “stuff.” An easy way to think of it is if you moved, everything you would take with you is personal property.

Personal Liability – Coverage for any bodily injury or property damage that you become legally liable.

Medical Payments – Coverage for guests if they are hurt or injured on your property.

Deductible – Your “out of pocket” expense during a claim.

Loss of use/Additional Living Expense: This coverage helps to offset any additional living expenses you incur because of a covered loss.