Why Buy Homeowners Insurance
Although you are not legally required to purchase homeowners insurance as you are with car insurance, many mortgage companies are requiring it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for homeowner’s insurance, don’t fret! AW Insurance is an independent insurance agency that can shop multiple carriers to get you the best home insurance policy available to you!
- 1. The Structure of Your Home
- 2. Personal possessions (up to a set limit)
- 3. Living expenses in case of a disaster
- 4. Liability
- 5. Medical payments
Check out this article from the Insurance Information Institue about what is covered in a homeowners insurance policy
What Must be Added
- 1. Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- 2. Flood policies
- 3. Earthquake policies
- 4. Umbrella policies (additional liability)
- 5. Animal Liability (liability issues due to household pets)
- 6. Mine Subsidence
Why Work With AW Insurance
AW Insurance is very familiar with insurance in Edwardsville, IL and the surrounding community. Take advantage of our 5+ years of experience writing homeowners insurance. We believe in looking at the properties we insure, checking for mine subsidence, offering earthquake coverage as well as water back-up coverage, and service line coverage.
Bundling Auto and Homeowners Insurance
It is highly recommended that you “bundle” your auto and home insurance. Many companies will give a sizable discount to insure both your auto and your home. The discount varies based on several factors, but from our experience you should expect at least a 10% savings on both your auto and home when bundled. We would estimate that most customers save an average of $350 per year by bundling.
learn about homeowners insurance news from the Insurance Journal here.
Bundling doesn’t have to be limited to just auto and homeowners insurance. An experienced agent can bundle auto, home, life, boat and umbrella coverage. It is extremely important to understand your liability coverage amounts when bundling policies with an umbrella.
Please feel free to call us at anytime, we would love to talk.