Homeowners Insurance

If you are interested in receiving a quote please click here and fill out a proposal form. We will look over your information and provide you with an accurate estimate.

Obtaining Home Owners Insurance or Homeowner Insurance on Cape Cod  and coastal properties is becoming increasingly more difficult. For many people, Home Insurance is our most valuable protection. It is crucial to think about the unthinkable disaster before it happens. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.  Your bank or mortgage company may refer to this insurance coverage as home insurance, homeowner insurance, hazard insurance, fire insurance or even HOI, Home Owner Insurance.

The main purpose of Homeowners Insurance or Fire Insurance is to protect you against losses you Homeowners Insurancecannot afford. Few people have the financial resources to rebuild their homes. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.

A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered — such as flood — for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.

Keep in  mind that in the event of a covered loss, your Home Insurance policy will provide coverage for the following: Dwelling Insurance Coverage which is also known as Building Insurance.

Dwelling Insurance Coverage will cover not only your House as a building, but also your major kitchen appliances, flooring, built-ins, bathroom upgrades, light fixtures, molding, trim, and woodwork.

Personal Property or Contents Coverage

Will cover your belongings such as  furniture, electronic devices, clothing, books, kitchen items & supplies, bedding, decorations and small appliances in the unit. To summarize, it covers many items you would take with you if you were to move.

Liability Insurance Coverage

Will cover you against a suit brought against you in the event that someone gets injured at your home or if someone in your building sustains damage to their to their property as a result of a covered loss.

Loss of Use Coverage

Provides alternate living arrangements if you are displaced from your home as a result of a covered loss.  Keep in mind that the average cost of an annual basic Home Insurance Policy is about the same as the cost of a one or two week stay in a New York hotel.  A basic policy may provide enough coverage for at least 25 times that much.

As many people have already found out, Regan Insurance Agency is the best stop for a quote on their Home Insurance.