Your home is one of the most important financial investments you’ll make during the course of your life. That’s why getting the right property insurance is also one of the most important investment you’ll make. As they say, you have to expect the unexpected, and it’s no different with protecting our home against whatever surprise life brings.
Shopping for property insurance can be intimidating, especially given all the different policies and options. At Centurion Insurance Services, we’ll work individually with you to ensure that you receive the policy that’s right for you and your home. Property insurance may insure your home from the following types of damage:
In addition to all that’s listed above, there are other types of coverage you may want to consider when working with a Centurion Insurance representative to build your policy.
One of those options is personal property insurance. Personal property insurance pays the actual cash value (ACV) or replacement cost of personal items lost in an accident or a theft such as furniture, appliances, and clothing.
Flood or earthquake insurance also may not fall under a standard homeowners’ policy. If you live in an area that experiences flood or earthquakes, you’ll want to include these options into your insurance policy. Another related feature to consider in your homeowners’ policy is dwelling replacement coverage. If you house is considered a “total loss” after a fire or other accident, this covers the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law. While your house is being built or reconstructed, you may want to consider builder’s risk, which covers damage to pertinent or detached structures.
As you can see, policies can vary greatly depending on your needs. Connect with a home insurance specialist at Centurion Insurance Services to discover the best way to protect your home. We currently serve the states of Arizona, Nevada, California, Utah, Colorado, and Texas.