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Here’s What Your Homeowners Insurance Policy Includes
We have policies for every type of dwelling!
If you live in it – we can probably insure it! We offer policies for Single Family homes, Duplex’s, Condominium units (or the entire association), and Renters too! Or as your situation changes we want to make sure we update your policy – for the new recreational room, finished basement, or new diamond ring!
We have policies with GREAT RATES
We work with you to make sure that your home and personal belongings have the correct coverage you need to make sure you can make it through a disaster. Getting you the coverage you need for much less. We offer competitively priced with many different coverage options for every insurance need!
Expert Advice Explained Simply
Policies can be confusing and we are here to help you understand the coverage for what can be your first place or your biggest investment! With so many policy forms (HO-4, HO-5, HO-6) and coverage forms (Broad form, named peril, actual cash value, or all risk) you need an experienced, professional agency that cares and will customize a policy for you. East Insurance Group.
Continued Coverage & Service
With East Insurance Group your policy is not just filed and stored away! We continue to update and enhance your policies with annual policy reviews. As new coverages become available we want to offer these enhancements! We review your needs annually – we talk about your family – we listen to your concerns and make the right recommendations! It’s more than just a policy to cover your dwelling or possessions – we’re part of your home.
Here’s the Homeowners Coverage We Provide
Protect Your Assets with Homeowners Insurance
RentersRenters insurance protects your apartment in case there’s a disaster such as a fire and keeps you and your family safe until it’s rebuilt
Theft & Burglary
Keep your personal belongings safe if they’re stolen, either by force or by break-in
Coverage for your personal contents, which helps get the value of your possessions in the event of a disatester
Specialzied coverage that protects your vulnerable areas such as basements should they get flooded
Specialized coverage that helps you recover from dangerous mold issues in your home
Protects your house if it is considred vacant or unoccupied which makes it much bigger risk
Homeowners Coverage FAQ
Is Homeowners Insurance Mandatory?
As opposed to owning a car, most states don’t require you to have homeowners insurance if you legally own a home. However, if the home was financed with a mortgage, most lenders require insurance. The mortgage company will likely require that you have an adequate amount of insurance to cover the repair or rebuilding of the house in the event it is damaged.
Any supplemental coverage for possessions is optional, and if the mortgage is small, homeowners may only be required to buy insurance that covers the lender’s share of the property.
What Does Homeowners Insurance Cover ?
As a homeowner you face many risks evey day. A homeowners policy covers you from losses from damages such as, theft, burglary, storms, and fire as well as personal liability issues. Other issues such as flooding or earthquakes need separate policies, since these disasters are not included in home insurance.
Also included is home liability coverage which protects you in case someone is injured on your property or you are responsible for damage to someone else’s property. Your homeowners insurance can even protect you against injury you cause to another person off-premises under certain circumstances.
Are personal belongings covered?
While home insuranc covers your home and will reall yhelp in the event of a major disatster, it won’t cover many of your personal items that would be lost. Depending upon the type and amount of coverage you get in the policy, personal items may not be covered, or may only be covered up to a depreciated value.
Many home owners assume that all of their belongings are fully covered until they experience a loss. When choosing the amount of personal property coverage you want for your belongings, consider what it would cost to replace all of your personal items after a total loss from a fire.
What our Clients say
Don’t take our word for it, see what some of our clients have to say
“I’ve worked with this insurance company for 2 years and I can honestly say they’re always going above and beyond. Whenever I call someone is always available or quick to respond back. ” Jeff | Baltimore, MD
“They are extremely knowledgeable and explain everything thoroughly. I use them for multiple business accounts and plan to add more in the future.
I would defiantly recommend for any insurance needs.”
Get a Homeowners insurance Quote
Drop us a message and we will get right back to you.
Now that you know the many ins and outs of homeowners insurance, you can see why it is so important to work with an insurance agent who can answer all of your questions. As independent agents we work to compare policies and options for you from multiple insurance companies, and provide all of the information you need to make an informed decision.
We also work with you to find all the available discounts that can help to lower your home insurance costs. And when it comes time to file a claim after a loss, we’ll be with you the entire time, so you can recover as quickly as possible.