No matter if you have a mortgage or not, Homeowners Insurance is an important part of your financial security plan. Our Starion Insurance agents have the experience and the resources to guide you in choosing the right coverage with a straightforward approach.
What’s included in a policy?
When you look at a homeowner policy, you’ll see a lot of detail, but most policies come down to five pieces:
Covers the dwelling itself, not including land. Generally, there are provisions to account for inflation adjustments.
2. Other structures
Covers other structure on the property not used for business.
3. Personal property
Covers personal property, with limits for the theft and loss of particular classes of items.
4. Loss of use/additional living expenses
Covers additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented.
5. Personal liability
Covers damages for which the insured is legally liable and provides legal defense at the insurer’s expense. For example, dog bites would fall under this category.
While there might be exclusions for certain events such as floods, you may be able to purchase additional coverage.
What types of policies does Starion offer?
Starion provides policies for homeowners, renters, condominiums and seasonal/rented dwellings. What type of policy and coverage you need will depend on many factors, from the age of your house to the area where you live. Starion Insurance’s agents work with multiple companies to get you the best coverage at the best price.
Insurance products are: * Not a deposit * Not FDIC insured * Not insured by any federal government agency * Not financial institution guaranteed