The right coverage. The right price. The right value.
Home Insurance Coverage and Discounts
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for your home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it's damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for you and other people
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional living expenses
If you can't live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Protection for your belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled personal property coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If you rent your home
Protect the things that matter to you
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video - using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn't cover damages caused by poor or deferred maintenance on your part.
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How much home insurance is enough?
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Bassett Insurance Group can help you find the homeowner's insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Get premium insurance without a high premium
Discounts are available if you have a burglar alarm or a fire sprinkler system installed in your home. You may also qualify for a lower rate if you live in close proximity to a fire station.
Less than 10 years old
Qualify for a newer home discount when your house is less than 10 years old.
Choose a higher deductible
A higher deductible will lower how much you pay for your home insurance premium by shifting part of the loss payment to you. For example, if you have a $500 deductible, you’ll need to pay the first $500 of a loss out of your own pocket. A higher deductible will lower your home insurance bill, but will also increase how much you’ll end up paying yourself if you file a claim.
Pay your bill in full
If you pay your bill in full when you start or renew a policy, instead of paying in monthly installments, you’ll end up paying less in the long run.