Homeowners Insurance

Homeowners Insurance

Westgate Insurance Agency understands that you take great pride in your home.  A house is one of life’s biggest investments, so it’s important to make sure it is fully protected.  When you insure your home with us, we’ll work with you to find the right plan and tailor it to your specific needs.

What Does My Homeowner's Insurance Cover?

The three major components of homeowner’s insurance are:

• Personal property replacement
• Dwelling replacement
• Liability

One of the major concerns that homeowners have is being able to receive the full replacement cost of their personal property in the event that it’s damaged.  The cost of an item today may be more than what it was originally when you purchased it and we can customize your plan to make sure that you have the ability to replace your personal possessions based on what they cost today.

The dwelling replacement aspect of homeowner’s insurance makes sure that you’re covered in the event that your home is a complete loss.  Our friendly staff will cover your personal property and dwelling replacement options with you in detail. The third component of homeowner’s insurance is liability.  Liability protects you in the event that someone gets injured in your home.

Do I Need Flood Insurance?

Flood insurance is not typically required unless you live in a flood prone area.  If flood insurance is required, you should be notified when you purchase or build your home.  Even if you don’t live in a flood prone area, flood insurance may be a good option.  Standard homeowner insurance policies don’t cover any losses due to flooding.

Can I Insure My Home Business?

Due to technology, running a business out of your home is easier now more than ever. Westgate Insurance Agency can customize your policy so that your business needs are being met, such as covering business property, company provided computers/laptops or business inventory.

What Happens if I Own Valuable Items?

Homeowner’s insurance policies set limits on how much can be paid out and for what it can be paid out for. If you own valuable items such as fine art pieces, computer equipment or anything else that has a high replacement value, we’ll make sure you’re covered. All home policies have limitations on jewelry, watches, furs, silverware, and other classes of property. We should be able to schedule these items specifically under an inland marine schedule.

Every homeowner has different insurance needs so no two policies should be alike.  Our team will give you individualized attention and work with you through the process so you can choose a homeowner’s policy that’s in your best interest.   Contact us today to get started.