Homeowners Insurance
Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
COMPLETE ABOVE WITH JUST A FEW SHORT QUESTIONS TO GET AN IMMEDIATE QUOTE!
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
REPLACEMENT VS. MARKET VALUE – The “Ticking Time Bomb” of Personal Insurance
When you insure a typical home for its market value, you are at risk of having incomplete coverage. In today’s economic environment, the market value of a home can be substantially lower than the actual cost to rebuild. When you insure your home for its replacement value, you will be reimbursed for the cost of rebuilding or repairing your home. Many people mistakenly believe the cost of rebuilding a home has decreased. The fact is, overall construction material prices have risen 5.6% in the last 12 months (Engineering News Record). We find that over 50% of the homes we quote, for potential new clients, are underinsured. If for no other reason, you owe it to yourself to contact us for a quote on your homeowner’s policy. In fact, you cannot afford to do nothing. “Nothing” could put you face to face with a major financial disaster.
We recently had a client contact us with a request to provide a complete analysis of his personal insurance polices, of which were with another nationally recognized carrier. We determined that not only was the personal insurance policy based on market value, it was also underinsured. A complementary appraisal was performed that confirmed the home was underinsured by $400,000. We were able to provide the client with a replacement cost policy that included significant improvement of supplemental coverages. This included properly scheduling valuable articles. Most standard polices provide minimal coverage for items such as jewelry, fine arts, furs and valuable collections. We didn’t stop there, as we completed the process by providing coverage for their cars as well. Not only did we insure the cars for stated value, as opposed to the normal book value, but also at a lower premium. Placing multiple polices with the same carrier will typically result in premium credits applying to all polices. The result is often better personal insurance coverage at lower costs.
Personal Insurance Coverage you don't think about
Every individual has unique risks. At Campisano Insurance, our personal insurance experts are another reason why we are unique and “stand above” the competition. We don’t sell products, we sell solutions. Our team is dedicated to understanding your specific needs. We offer tailored, comprehensive and cost effective personal insurance solutions to protect not only your valued assets, but also your lifestyle.
IT COULD HAPPEN… After damage occurs is not the time to discover you have no personal insurance coverage. Yet, this happens more times than not. Here are some examples of situations that really happen:
WATER BACK UP FROM SEWERS AND DRAINS
What if you come home to the horrid mess of sewage or drain water having ruined your floors, walls and ceilings?
SUMP PUMP FAILURE
What if the sump pump in your basement fails during a power outage causing substantial damage to your finished basement? A number of our clients had the misfortune of this catastrophe during hurricane Irene. They were very thankful we had provided them with proper coverage.
FLOOD INSURANCE
What if your home floods from a severe storm or hurricane? Many homeowners mistakenly believe there is no risk of flood in their inland home. Simply not true, over the life of a 30-year mortgage, the chance of having a fire is 10.4%, but there is a 26% chance of a flood.
MOLD REMEDIATION
What if after water damage, mold follows? Most homeowners polices provide only limited coverage.
LOW POWER RECREATIONAL VEHICLES
What if your child or even an adult takes a toy car, golf cart, scooter or go-cart off your property and onto a public street or sidewalk? These small vehicles can cause serious injury or damage if one hits another person or a real car swerves causing an accident.
The consequences of improper coverage can result in substantial out of pocket expenses at the worst possible time..
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