HOME INSURANCE

Your home is the usually the biggest purchase you will make and is your most valuable asset. If you have any damage, you need an insurance agent that will find the best company to fit your needs and settle your claims quickly. At TOP Insurance, we will help you find the right fit for your needs with providing quality service and affordable pricing.

Homeowner policies will differ on where you live, the valuables in the home and which coverages you choose. A comprehensive plan will cover you financially if you have a loss due to fire, theft or other events, in addition to the event if someone is injured on your property.

How much money would it take to rebuild your house?

TOP Insurance does the work to determine the replacement cost of your home, then matches the coverage to protect your property, personal belongings and more. We search among the many Top-Rated Carriers for the Best Plan at the Best Price for you.

Important Things to Consider:

Replacement Cost Coverage – This is the total Insurance Amount needed to repair/rebuild the house in case of a catastrophic claim.  It is important to insure your home correctly to value.  This does not have to be the loan amount.
Personal Property – Coverage for your personal belongings in the house.  Consider the value of all your clothes, furniture, kitchen items, cds/dvd/books, everything you need to replace in event there is a fire. Make sure you tell your agent about valuables; such as, jewelry, musical instruments, business equipment, etc.   If any item is valued at over $5,000, you may want to insure it on a “scheduled” basis.
Liability Protection – Amount needed to protect your assets in event of an accident on the property and even provides defense against a frivolous lawsuit.  Your liability coverage should be equal to or more than your home value.
Medical Expenses – this would be medical coverage for someone that is injured, other than a resident, on your property.
Living Expenses – if you have a complete loss, you may need extra temporary housing or food when you’re forced from your home.