Homeowners Insurance

Your home is one of the biggest financial investments in your life, you want to protect it and all of its contents.

With proper coverage from William Isaac Insurance Agency, your investment will be protected and you’ll have the peace of mind that your family will be secure as well.

homeowners insurance

What is Homeowners Insurance?

Homeowners insurance is a type of property insurance that covers a private residence for losses or damages to the home, furnishing, and some of the assets that may be inside of the residence. Standard home insurance can cover many things from damage from weather and fires, bodily injuries, and theft. However, because not all incidents may be COVERED, it is important to discuss your individual needs and situation with one of our insurance specialists so we may present you with the best options for proper protection.


Who Needs Homeowners Insurance?

If you have a home and a mortgage, your lender will require that you have homeowners insurance. Even if you don’t have a mortgage, however, it’s still a good idea to protect your home with this kind of coverage. This coverage not only protects your house but can help cover you in cases where someone is injured on your property and you are found legally responsible.


What Does Homeowners Insurance Cover?

What is specifically covered will depend on your particular policy, but in general, here is what tends to be covered with homeowner’s insurance.


Property Damage

Homeowners Insurance can cover the cost of repairing damages to your dwelling due to:

  • Fire and smoke
  • Wind
  • Hail
  • Falling objects
  • Water damage from frozen plumbing
  • Water damage from plumbing, appliances, or HVAC


Temporary Living Expenses

In the event that you are unable to stay at your home because of repairs being done as a result of one of the incidents mentioned above, homeowners insurance could help cover your temporary living expenses.


Personal Property

Your personal belongings may be covered from damage or theft. These include:

  • Appliances
  • Furniture
  • Electronics
  • Clothing
  • Tools
  • Other valuables (You may need additional coverage for high-value items such as jewelry)


Liability and Medical

Homeowners Insurance may cover costs resulting from property damage, accidents, or injuries happening on your property, or caused by members of your household. This can help with the costs of legal expenses, lost wages, or medical expenses for minor injuries for non-members of your household.


What Doesn’t Homeowners Insurance Cover?

Not all Homeowners Insurance policies are the same, and they may have exceptions that would require additional insurance. Most homeowners insurance policies won’t cover damage due to:

  • Flooding
  • Earthquakes – some companies allow you to add this as an endorsement for an additional premium
  • Insects or rodents
  • Mold – there is limited coverage

Some expensive items, including art or jewelry, may not be fully covered by Homeowners Insurance and could require additions to your policy.

Speak with one of our agents if you have questions about what your policy covers or have concerns about your coverage needs.

We will work with you to customize affordable and flexible coverage options to create a policy that will address your unique needs. As a trusted provider of homeowners insurance, our team is experienced and dedicated to giving you and your family assurance that your property and possessions are secure.

Coverage Options

Home Insurance coverage options we offer include: 

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