Homeowners – Kelly Assurance

Homeowners

For many of us our home is our most valuable possession. The time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.

The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.

A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance, which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered- such as flood- for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.

Tips for keeping your rates low:

There are some simple steps you can take to reduce your homeowner’s premiums.

Raise your deductible – A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit that you could handle in case of a loss.

New Home – If your home is less than 10 years old, you may be eligible for a new home discount.

Make Your Home Safer – You may be eligible for a discount if you have a burglar and fire alarm system and/or sprinkler system. Monitored systems will earn a bigger discount than unmonitored systems.

Construction Material – When you buy a home, look for a fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those made of concrete tile, while wood roofs may bring a surcharge. Check the locations of the nearest fire department, and avoid buying in flood prone areas.

If you are interested in receiving a quote please fill out the form below and we will reach out shortly

Home Owners Quote Form

Homeowners insurance is a form of property insurance that covers losses and damages to an individual’s residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Please fill out the form below and we’ll have an agent reach out to you as soon as possible. Thanks

First Name

Last Name

Street

City

State

ZIP/Postal Code

Primary Phone Number

Alternate Phone Number

Date of Birth

Social Security Number

Do you currently have insurance? (Y/N)

Current Premium

Current Insurance Provider

Months With Company

Current Policy End Date

Year Built

Roof Type

Construction Type

Date of Original Purchase

Number of families living in home?

Number of bedrooms?

Liability Limit

Deductible Amount

Square Footage

Estimated Value

Dogs

Pool

Claims/Property Losses in Past 5 Years (Please Explain)

How did you hear about us?

The information on this website is not intended to be exhaustive nor should any discussions or opinions be construed as legal advice

– it is intended for educational and/or informational purposes only.

Kelly Assurance not only protects your company from major risks, we also take steps to potentially reduce and eliminate losses before they occur.

We aim to migrate your risks through proactive education, strategy calls, and loss control programs.

Once you become a client at Kelly Assurance, you’ll have the on support of a dedicated Kelly Assurance service team staffed with licensed professionals who know your business.