Home Insurance with Bankers Insurance
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Bankers Home Insurance
A Homeowners Insurance policy covers several things: damage to the home and the owner’s belongings, certain legal claims against the owner for which he may be liable, and limited coverage of people who are injured on the owner’s property. This package policy typically provides coverage for a broad variety of risks on the home; however, some risks, such as earthquake and flood, are excluded. The policy also does not cover land. If you own a townhouse, you may need to purchase a Condominium policy. This is determined by whether you own the exterior walls to your unit. It can be confusing trying to determine which policy suits your needs, so contact your homeowners association, and talk with your Bankers agent.
Understanding Your Risks and Coverages
Before you purchase a Homeowners policy, it is important to understand the risks you face so you can make the best choice to get the right policy at the right price. We’re going to introduce you to your risks in an entertaining way through “Meet the Risks.” But another “risk” you face is in buying either too much or too little insurance. Avoiding that potential hazard is the main reason we created Build Your Own Policy!
Bankers Helps You Prepare for the Risks You May Face
Simply put, risk management is the process of, first, identifying the risks you face as a homeowner and, second, figuring out ways to minimize – or manage – them. There are nine major risks that face homeowners and some or all may apply to you, depending on where you live:
A deductible is the amount of out-of-pocket expense for which you are responsible before the insurance coverage begins.
For many of us, our home is the most valuable single asset we own. Therefore, protecting it and our families with the proper insurance is critical.
- The property portion of a typical homeowners policy covers your dwelling, the contents inside your home, most unattached structures on your property, such as a shed or free‐standing garage, and expenses you may incur due to the loss of use of your dwelling at the time of a covered loss.
- The policy also has a liability portion that provides coverage for unintentional acts by you or your family that cause bodily injury.
You may want to take a moment to review our additional coverages that allow you to customize your policy to fit your individual needs. Click the “Learn More” button for details. Not all coverages are available in all states. Please consult with your local agent for availability.
Increasing Your Coverage Limit
Some policy limits can be increased to better suit your individual needs. These increased individual limits for the items listed below will still fall within your total coverage amount, but the amount you receive per item can be increased with this coverage.
- Home Computer
- Jewelry & Furs
- Increased Business Property
- Loss Assessment CoverageIncreased Ordinance or Law
You may be eligible for discounts based on your personal characteristics, as well as features of your home that will reduce your home insurance premium.
Living in a CAT State
You Want Catastrophe Experience When You Need It
Those of us who live in a “CAT State” – a catastrophe-prone state – know that being prepared is key. This includes having the right insurance coverage. That said, one of the most important considerations in selecting an insurance company – especially if you live in coastal states – is catastrophe experience. Bankers has weathered an impressive 25+ catastrophes and offers exceptional customer service and claims response time. You don’t want to think it can happen to you, but, in the event of an emergency, you want an insurance company that knows precisely how to meet your needs.
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Remember, you can buy Earthquake and Flood Insurance separately. These two important risks are not covered in your basic homeowners policy.