Home Insurance

We Protect What Matters Most To You

A homeowners policy offers more than physical coverage. It offers financial security for you and your family. We are here to help you find the policy right for your coverage needs and budget.

Homeowners insurance covers sudden and accidental losses to your home, covered personal property and certain liability exposures. But, there are common exclusions to homeowners policies or limits to key coverages that, unless you have a full understanding of your policy, can lead to unpleasant surprises when you file a claim. See the steps below for better understanding your homeowners insurance needs and more information on the type of policy you are purchasing.

Value of your home

Insurance companies use ‘Reconstruction Costs’ to determine the amount to which your property is insured – or how much it would take to reconstruct your property.  In most cases, the reconstruction cost is different than the sale price because land is NOT covered in the reconstruction cost. Let your agent know about unique or custom features in your home like specialty flooring, kitchens and baths.
 

Value of expensive items

This includes every single piece of clothing, furniture, silver wear, pots and pans, books, toys, electronics, jewelry and all other possessions that make your house a home. AAA Insurance offers Replacement Cost Contents so you get full value for your possessions, even if they are no long considered ‘new’

Value of liability coverage

One of the most undervalued portions of the homeowners policy, Coverage E is provided in the event that you or a household member are legally responsible for injury to others, such as a visitor falling and injuring themselves or an incident with an aggressive pet. A benefit of AAA Insurance Homeowners policies is that coverage for Personal Injury is included on all of our policies. We make sure you are covered!

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Home Warranty and Protection Programs Available:

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American Home Shield Home Warranty Plans

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Your systems and appliances may be in good working order today, but sooner or later, everything wears out. Even with perfect maintenance, nothing lasts forever. When your system or appliance breaks down, you could spend hundreds or thousands to repair or replace it, potentially causing a serious financial setback.

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Purchasing an American Home Shield Home Protection Plan is a wise decision whether you are buying a home or selling a home. A home protection plan is a service contract that covers the repair or replacement of home system components and appliances that typically break down over time.

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Buying an American Home Shield Home Protection Plan protects your house, giving you the peace of mind about your home’s systems and appliances, as you won’t need to worry about them if they happen to break down or need replacement. Let us help you better understand what American Home Shield has to offer homeowners and decide which option is right for you.

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First Protector

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First Protector is a supplemental homeowners insurance program that helps insure the financial recovery of homeowners in the event of a covered loss such as flood, fire, hurricane, tornado, mudslide, or involuntary job loss not typically covered by your homeowners insurance if your home becomes uninhabitable.  

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Coverages available include:

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Mortgage Payment Protection for Disasters – Pays your monthly mortgage payment while you are displaced and the home is being repaired, for up to 2 years.

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Mortgage Balance Payoff for Disasters – Pays off any remaining mortgage balance you may have after proceeds from your homeowners policy are paid, when your home is deemed permanently uninhabitable.

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Reimbursement of Homeowners Policy Deductible – Pays your homeowners policy deductible up to $1,000, twice a year in the event of two claims.

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Mortgage Payment Protection for Involuntary Job Loss – Pays your monthly mortgage payment, or a portion thereof, for up to 6 months in the event of an involuntary job loss.

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Emergency Cash for Disasters – Provides up to $1,000 in emergency cash to cover any out-of-pocket expenses you incur when displaced from your home.

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Service Benefits for Disaster Recovery – Provides emergency communication and/or contractor service options.