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A standard homeowners insurance policy commonly an HO-3 includes six core protections designed to safeguard your home, belongings, and liability risks. Here’s a closer look at what’s typically included:
Most policies come with a deductible ranging from $500 to $5,000, depending on what you select when setting up your policy. A $1,000 deductible is common for dwelling coverage, though choosing a higher one may lower your premium.
Several factors contribute to higher rates in the area: rising home values, expensive building materials, and a growing number of severe weather events, including hail and high winds. These trends have led insurers to adjust pricing to match current risk levels.
A quote is an estimate of how much you might pay for a policy, based on your home’s features, location, and coverage choices. It’s a starting point that helps you compare options before deciding.
Yes. Many providers offer discounts sometimes as high as 20% for homes equipped with monitored alarm systems, security cameras, or smart safety features.
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