Your home and its contents are probably the most valuable material property you own, and all or some of it can be lost or damaged instantly, whether due to fire, weather, theft or some other cause you never expect, such as a water pipe suddenly giving way.
Comprehensive coverage will protect your home's contents from the calamities you anticipate and, just as importantly, from those you may never consider. When deciding what coverage you need, talk to your Brown & Brown agent about how to determine the true replacement value of your personal property. Undervaluing the replacement costs of belongings is one of the most common mistakes people make. As you look from room to room and consider what it would likely cost to purchase each item new today, you'll probably find your coverage should be double the limit you've chosen or plan to insure for.
Protection for the most valuable
and personal thing you own
The biggest investment most people will ever make is in their home. That's why it makes sense to protect the sizable financial investment you've made with a comprehensive homeowner's plan from the experienced insurance professionals of Brown & Brown.
We can help you decide on the policy that fits your budget, yet provides reliable protection to safeguard:
- Your home
- Other buildings or structures on your property
- Your personal belongings - furniture, clothing, appliances, jewelry, etc.
- Additional living expenses
- Your personal legal liability
You can also elect to include special features for additional security, such as:
- Home replacement guarantee
- Replacement cost on contents
- Additional coverage form
- Flood insurance (the only insurance that protects you from losses from flooding)
Don't forget Flood Coverage for your home and property.
During the course of a 30-year mortgage, your home is nearly 26 times more likely to be damaged by flood than fire, yet only 25% of homes in areas most vulnerable to flooding actually carry flood insurance. Surprisingly, government statistics show that over 50% of all flood losses occur outside known flood zones. So when planning your coverage, remember that investing a little more could save you a whole lot.