Home Insurance

A home insurance policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also provide some coverage. Home insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, and animal liability.

There are many endorsements you can add to the standard home insurance policy.  Here are just a few:

Replacement Cost Contents - This endorsement allows you to receive coverage for your home's contents at their replacement value and basically factors out the cost of depreciation on your personal items. Remember that your appliances should be calculated in your contents coverage level.

Sinkhole Coverage - Almost all standard home insurance policies will cover catastrophic ground cover collapse.  However, many companies will not cover sinkholes without endorsing the policy.  There is new legislation regarding sinkhole coverage on home insurance policies.  It's recommended to check with your agent to discuss this coverage.

Scheduled Personal Property - For property such as jewelry, collectibles and guns one should consider scheduling these items on the home insurance policy. This will provide greater levels of coverage and protection for your most valuable possessions. 

Increased "Other Structures" Coverage - Your basic home insurance policy will cover a percentage of other structures like a shed or fence.  However, sometimes policyholders need to increase the Other Structures coverage to accommodate for a large detached garage or a pool set back away from the primary dwelling. 

INDI offers many different home insurance policies through many of the top carriers in the State!  We can shop to find you the best coverage at the best price.  Call an INDI agent today at 877-471-0929.

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