Your home is important. It's where the heart is, as they say. When you get a policy with us, you can rest assured that it's protected with a great policy. Get started by clicking above to get a quote for quick, accurate and affordable rates!
What is homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
If a guest in your home is injured, liability protection and medical coverage help pay expenses.
If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
What does our agency have to offer?
The John R Carpenter Insurance Agency has been supplying reliable insurance solutions for over 50 years. We have established contracts with multiple carriers. This gives us the opportunity to shop your policies to ensure you are being provided the best coverage avaliable while maintaining reasonable premiums. Be sure to ask us about avaliable discounts (companion policies, alarm systems, remodel etc).