Homeowners Insurance Quote Forms
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Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Owning a house is a significant investment that you’ll want to be sure you protect. Homeowners insurance is one of the best ways to safeguard your home from substantial financial loss in the event of an accident. Our agents at Gray Insurance Group, Inc. are ready to help you sort through coverage.
What Is Homeowners Insurance?
Homeowners insurance is a property insurance policy providing financial protection after disasters that can help pay for repairs after a covered incident like a severe storm or fire. It may also cover your possessions and structures that aren’t attached to your home, such as a fence or detached garage. Your home insurance policy also includes liability coverage if you, a family member or a pet injures someone. Your liability policy may cover costs related to lawsuits, medical bills and related expenses.
If you have a home loan, your lienholder may require that you carry specific types and amounts of homeowners insurance to protect their interest in your property. Your agent may recommend additional coverage, depending on your situation.
What Does Home Insurance Cover?
While exact coverage details vary, a home insurance policy typically provides the following coverage:
Property damage protection—This portion of your policy helps protect against losses related to property damage or theft:
Dwelling offers protection from damage to the structure of your home, including fixtures, plumbing and heating, due to a covered loss like fire or hail storm damage. It would be best if you had enough coverage for rebuilding or repairing your home, less the cost of the land.
Detached structures coverage covers other buildings on your property, such as fences, carports, gazebos and detached garages.
Possessions insurance covers your home’s contents and personal items such as furniture, clothing, and sporting goods. It also extends to your personal belongings anywhere in the world.
Loss of use helps cover losses if you’re forced from your home, such as because of a fire; failure of service provides a safety net for additional expenses over and above your everyday living expenses. At the same time, you cannot live in your home up to the policy limit.
Liability coverage—This covers lawsuits for bodily injury or property damage that you or your family members may cause to other people. It pays for both the cost of litigation and any court awards, up to your policy limit. It covers you whether you are at home or away.
How Home Insurance Works
Your home insurance policy is designed to help alleviate financial strain if your home is damaged or destroyed by a covered event such as a fire or severe storm. Standard home insurance policies typically also cover other buildings and structures on your property such as garages, sheds and fences.
Home insurance also typically covers your personal property. You may need to purchase additional coverage for valuable artwork, collectibles and jewelry worth more than the coverage included with a standard policy.
How Much Does Home Insurance Cost?
Your homeowners insurance premiums are set by the insurance company using proprietary algorithms. Some factors your insurer may consider when determining your home insurance premiums include the following:
- Your coverage limits and deductibles
- The value of your home and property
Home insurance rates vary widely, so talk with your agent to get a personalized quote.
Receive a Quote Today
The cost of your homeowners insurance can vary from policy to policy, so it’s important you discuss potential costs with an agent. Our Gray Insurance Group, Inc. agents are here to help you navigate premium costs. Reach out to an agent to get started today.