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A homeowners insurance policy can be like a financial security blanket for what may be the single largest purchase of a person’s life. The right policy should help protect you from the costs of rebuilding after a fire, replacing stolen items, repairing your home from storm damage, or from liability claims if someone is injured on your property. Whether your property is vacant, older, lower value, under construction, being utilized as a rental property, seasonal property, vacation home, or is your primary residence---homeowners insurance is a necessity.
The clear advantage
CLEAR Insurance provides a single point of contact for clear, understandable and unbiased recommendations for all your insurance needs. Whether in the area of commercial coverages for a business or in personal coverage, the CLEAR Insurance team is here to help you protect what matters most.
Homeowners
Homeowners insurance can help protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, legal fees and more. Get a homeowners policy tailored for you. Our agents can help you find the right coverage with the right carrier.
Why Do I Need a Homeowners Policy?
A homeowners policy is recommended for anyone who owns a home and may even be required by your mortgage lender.
What Does Homeowners Insurance Cover?
- The structure of your home
- Other structures on your property (e.g. garage, shed)
- Your personal belongings
- Additional living expenses if you cannot live in your home due to a covered loss
- Your personal liability or legal fees
- Limited valuable items (extra coverage can usually be added)
Specialty Dwelling
There are multiple scenarios where specialty dwelling insurance is necessary:
- Rental Properties — Specialty Dwelling insurance is the only type of policy that will work for a rental property. There are certain coverages that you need as the owner of a non-owner occupied property that are only provided by a specialty dwelling insurance policy like for example Landlord Furnishings, and Tenant Liability.
- Vacant Homes — Whether you’re waiting for a home to sell, looking for the right tenant or doing renovations, owning a vacant property comes with special risks which is why they can be extremely difficult to insure. Most insurance companies want nothing to do with a property that is vacant. We can help you though. Contact an agent to get your vacant home insured and protected today.
- Seasonal & Vacation Homes — in many cases, in order to insure a secondary, seasonal, or vacation property, most companies require that you insure your primary residence with them as well, which isn’t always possible.
- Older & Lower Value Homes — if your home is extremely old and/or the market value is considerably lower than the cost to rebuild it, many insurance companies may hesitate to cover it. Older or lower-valued properties present a number of problems, but we have access to specialty policies specifically for these types of homes.
- Credit Problems — some homeowners might not have strong enough credit to qualify for a “standard” homeowners policy. When this is the case, specialty dwelling insurance is the alternative.
- Homes Under Construction — in some situations your renovation, addition, or reconstruction project may require a specialty dwelling policy.
Above all, we are independent from any insurance company and we work for you, in getting the best products, at the best price and service you will come to expect and can’t do without.
