Protect Your Home and Personal Property From Loss
For most people their home is their most valuable assest and represents a significant financial investment. Kyle Insurance offers different types of homeowner's policies to cover damage to both the home and personal property while providing liability coverage and living expenses. We can tailor a policy to your specific needs. Give us a call today or use the form on this page to get a Free, No Obligation Quote.
Homeowners Insurance Basics
Homeowners insurance provides financial protection against disasters. It is a package policy, which means that it covers both damage to property and liability, or legal responsibility, for any injuries and property damage policyholders or their families cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. Standard homeowners policies do not cover flooding, earthquakes or poor maintenance. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. Earthquake coverage is available either in the form of an endorsement or as a separate policy. Most maintenance-related problems are the homeowners’ responsibility.
There are several types of homeowners insurance policies that differ in the amount of insurance coverage they provide. The different types are fairly standard throughout the country. However, individual states and companies may offer policies that are slightly different or go by other names such as “standard” or “deluxe.” People who rent the homes they live in have specific renters policies.