Home Insurance

Insuring Your Home

Homeowners’ insurance can protect your home against theft, fire, lawsuits, weather damage, and other covered losses. With an insurance policy in place, you can repair or replace your covered belongings—regardless of how old or used they are.

The best homeowners policy will be one that combines low cost with high quality and features that suit your needs. At Sherrye LaCour Insurance, we understand the complexities of homeowners insurance. We’re here to explain the details and answer your questions along the way.

Why You Need Homeowners Insurance

When people shop for home insurance, they’re seeking not just one type of coverage but possibly several different varieties. Homeowners, renters, and condo insurance are all generally included within the category of home insurance. Whether you own the property you live on or are renting it short-term, you need to have coverage to guard against losses and disasters.

With home insurance, you also get comfort and peace of mind knowing you and your loved ones will be safe and protected.

Wind and Hail Are the Most Common Risks

In case you didn’t know, the most frequent homeowners’ claims are related to wind or hail. Roughly one in 40 insured homes has a property damage claim due to wind or hail every year. If you don’t have home insurance but are afraid of wind or hail damage, call Sherrye LaCour Insurance today.

Homeowners, Condo, and Renters Policies: The Differences

Homeowners

A homeowners policy is for those who own their own homes. It may be either a house or a condominium. Essentially, if you’re making payments on the home with ownership as the end goal, you’ll need homeowners’ insurance. 

Your policy will cover both the outside and all the contents of your home. It will cover most natural disasters (earthquakes and flood may be excluded, but you may add extra coverage for that specific purpose). And, it will allow you to replace or rebuild damaged property. If a thief breaks into your home and steals something, your insurance will help replace the stolen item(s) and pay for any damage in terms of vandalism.

Condo

Like homeowners insurance, condo insurance covers your dwelling  and your belongings. However, if your condo is part of a Condo Association, you may only be responsible for that part of the structure from the studs in. The Condo Association takes responsibility for the studs out. Condo insurance can also cover any assessments the Association may periodically make for major repairs or renovations to the exterior of the complex (i.e. roof replacement). 

Renters

With a renters insurance policy, the coverage provides liability coverage in the event you cause accidental damage to the premises, it also includes the inner contents of the home, apartment, or room that you’re renting. This is coverage for break-ins, natural disasters, fires, and other circumstances beyond your control. Although your landlord will have a homeowners’ policy on the place you’re living, it doesn’t cover your personal items as a renter, which is why renters insurance is essential.

Landlord

A landlord policy covers a dwelling you own and rent or lease to someone else to live in. It does not cover the belongings of the tenant.

Why Work with a Local Agent?

You may be surprised to see the range of prices you’ll get in home insurance quotes. Sometimes you can save hundreds of dollars—or even more—simply by choosing one company over another. However, it’s important that you only get quotes from the best carriers. 

Your local, independent agent is your go-to resource for this. Sherrye LaCour Insurance can gather multiple quotes from the top-rated companies for you online. We’ll give you the ability to compare the best policy options from the convenience of your home!

Plus, we can help you save by bundling your home and auto insurance, and we’ll tell you what other discounts you may be eligible for.

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Sherrye LaCour has over a decade of experience in the insurance industry. You can trust our agency to make sure your homeowners’ policy provides enough coverage.

Protect your home today—call (601) 286-8230 or request a FREE, no risk quote online.