Homeowners
Insurance

You’ve worked hard to buy your own home, so making sure it’s protected is a big job. At We Insure we’re dedicated to helping keep your home and possessions safe in the event that the unthinkable happens. Our agents can show you rates and coverage from top-rated companies to allow for a side-by-side comparison.

Here are the different types of coverage to consider when looking for a homeowners insurance policy:



  • Dwelling - This covers damage to your house and structures attached to your house. This includes plumbing, electrical, installed heating and air-conditioning systems.
  • Structures - This is a type of coverage that protects structures that are not attached to your house, including fences, sheds, garages, and guest houses.
  • Personal Property - This applies coverage for the value of your possessions and other house holdings. Personal property insurance includes coverage for your furniture, electronics, appliances, and clothing.
  • Loss of Use - This is important in the event that your home is undergoing repairs that make it uninhabitable and can cover some of your additional living expenses during that period.
  • Personal Liability - This is a policy that covers your financial loss if you are sued and found legally accountable for injuries or damages to another party.
  • Medical Payments - If you are held responsible for injuries to a third party, you won’t have to handle the medical payments out of pocket with this added coverage.


Homeowners insurance covers damages caused by instances such as:



  • Fire and smoke
  • Lightning
  • Tornadoes
  • Falling trees or other objects
  • Power surges
  • Damage from ice, snow, or sleet
  • Windstorms and hail
  • Theft
  • Explosions
  • Water damage *except floods (please see our Flood Insurance coverage)


Our agents at We Insure are here to help you discover what policies catered specifically to your needs as a homeowner. Let one of our team members walk you through the various types of homeowners insurance to find what’s right for you. We invite you to give us a call at (407) 965-5015.