Home Insurance

There are many ins and outs to understand when it comes to your homeowners insurance coverages. Here at Hurst Hofer Agency we work with many Insurance Carriers to bring you the best coverages at great rates to make sure your greatest asset is fully covered in the event that something tragic or just simply unforeseen happens. Most people opt  for a homeowners policy that covers replacement cost of your dwelling, out buildings and furnishings/ belongings in the event of a loss. We at Hurst Hofer Agency can help you get the best home insurance policy for your needs. Call us for a free quote today.

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What Are Examples of Coverages:

- Fire

- Theft

- Water Damage

- Accidents

- Storm Damage- Hail

    - Fire

    - Wind

    - Lightening

- Swimming Pool

- Manufactured Homes

- Flood

- Personal Liability from lawsuits ie.

  -dog bites

  - slip\falls

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Who Should Get a Policy?

- Renters

- Condo Owners

- Single Family Home Owners

- Manufactured Home Owners

- Mobile Home Owners

- Town Home Owners

- Seasonal Home Owners

- Landlords

- Air B&B

- Second Home Owners

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A Few Fast Facts!

A must know for those seeking home insurance! A standard home owners policy DOES NOT cover certain things without special endorsements. Those things may be-

     - Surface water damage

     - Sewer backup

     - Flood insurance

     - Set limit on Jewelry if loss was a result named on policy.

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Also, if you don't opt for replacement cost homeowners then your standard policy will default to actual cash value in the event of a loss or claim. 

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