Let us help you with your homeowner insurance needs.
Your home is likely your most valuable material asset and should be protected as such. Millstone Insurance will help you find the best homeowners policy that fits your coverage needs for the best price possible.
Important coverages
Every homeowner policy is unique and there are many different insurance companies and policies to choose from, all of which offer various coverages for various prices. Millstone Insurance will look at these different companies, options, coverages, and costs so that you don't have to take on the overwhelming task of doing it all yourself.
Depending on your needs and assets, your homeowners policy will cover not only the structure of your home in the case of a disaster, but can also cover the contents inside the home and more.
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1
Dwelling
Helps pay for rebuilding or repair of the physical structure of your home if it's damaged by a covered hazard: fire, smoke, lightning, wind, hail, falling objects, vandalism, or theft. (Does not normally cover floods, earthquakes, or water back-ups — those can be added.)
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2
Other Structures
Helps repair or replace structures on your property other than your home — fencing, driveways, and detached buildings like garages or sheds.
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3
Personal Property
Covers all of your belongings inside the home: clothing, appliances, furniture, electronics, and more.
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4
Scheduled Personal Property
Special coverage for valuables and collectible items that exceed standard personal property limits — jewelry, art, firearms, musical instruments.
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5
Medical Payments
Covers medical expenses in case of an accident on your property resulting in someone being injured. (Does not cover health care for members of your own household.)
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6
Loss of Use
Helps pay for reasonable housing and living expenses if a covered hazard makes your home temporarily uninhabitable while it's being repaired or rebuilt.
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7
Personal Liability
Protects you and your family financially if you're sued for bodily injury or property damage. If you need extra coverage, an umbrella policy may be a good option.
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