HOWOWNERS INSURANCE

 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. 

As an independent insurance agent Ibanez Insurance Inc takes the time to get to know you which helps us customize coverage specific to your needs. The last thing you want to think about is your homeowners insurance until you need it. We make sure you have the right coverage so that in the event of a claim you are covered.

Homeowners policies pay for repairs to your home if it is damaged by fire, hurricane, hail, lightning or other events. Most homeowners policies also cover your personal belongings like furniture, clothes, and electronics in the event they are stolen or destroyed by a disaster.

An often overlooked benefit of homeowners insurance is liability protection which protects you against lawsuits for bodily injury or property damage that you or family members cause to other people. One of the most frequent cases occurs when family dogs cause harm to neighbors or visitors.

The guidance of a local agent is just as important as the coverage itself. Ibanez Insurance Inc looks forward to assisting you in finding the right coverage for the right price to protect your home and everyone who lives in it.

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.)