Homeowners Insurance For Less
Most people understand that they need some kind of homeowners insurance, but few are educated enough on the subject to know exactly what they need. Unfortunately, even less know what policy prices are a deal, and which are a rip-off. That’s why we shop dozens of national carriers for you! - We’ll do all the research and heavy lifting! So all you have to do is sit back and relax, we’ll find the best coverage at the right price for you.
Remember, not all homeowners insurance policies are created the same. That means that choosing the correct policy and additional coverages for your needs can get overwhelming quickly. This is especially true since standard homeowner’s policies often do not cover things like flooding, wind damage and more. Do you live in home with special architectural features? Or one that’s been appraised for more than a million dollars? You’re likely going to need a special policy.
Fortunately, TGS Insurance is an expert in the homeowners insurance industry and we are ready to help you find the perfect policy for your needs. You’ll rest easier knowing your home and your belongings are safe, no matter what the circumstance.
What Is Homeowners Insurance?
The first step in acquiring the right homeowners insurance policy for your needs, is to understand exactly what homeowners insurance is. Essentially, homeowners insurance is a subset of property insurance that covers losses and damages to an individual's house and assets within their home. Homeowners insurance also provides liability coverage against accidents in a person's home, or on their property.
However, not every homeowners insurance policy is created the same. A standard policy tends to cover a home’s structure, and your belongings a major destructive event like a fire. However, most standard homeowners insurance policies do not cover maintenance problems that lead to destruction, like ignoring a leaky faucet for instance. Not only that, but while a standard policy does protect from disasters like a fire, disasters like floods and earthquakes are not a part of most standard policies, though many people need them.