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Why You Need Home Insurance

01/24/2017

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Your house is one of the biggest investments you make, and it's the center of many life activities. Home insurance is a plan for unexpected events. When you begin looking into home insurance, there might be questions that need quick answers when deciding on the right home insurance; questions such as: 

  1. What's the quality of coverage? 
  2. Does homeowners insurance cover wind damage, earthquakes, sinkhole collapse, etc.? 
  3. What are the deductible options? 
  4. Are there any discounts that insurers provide for alarm systems? 
  5. What's the policy on renovations? 

Protection of Physical Structures  

When you acquire a mortgage, you will most likely be required to have some type of homeowners insurance. If anything is damaged by weather-related accidents or fires, even sheds or other structures on your property, they can be repaired or replaced. 

Protection of Possessions  

If anything is stolen from your home or property, you are assured financial protection of items affected. Liberty Mutual arranges for any personal possessions to be repaired or replaced. According to SafeWise Report, one burglary takes place almost every 18 seconds, which means that 4,800 burglaries take place every day. You can take preventative steps to decrease risks, but there’s always a chance that thieves overcome these, and you should be covered. 

Protection from Accidents 

Homeowners insurance also provides liability coverage for injuries sustained by others on your property. Liberty Mutual will help defend any claims against you and pay those claims if necessary. They also pay for any medical expenses deemed necessary up to the limit you purchase, regardless of fault.

These are only three reasons you need homeowners insurance.

If you are a part of the LBMC Employment Partners' PEO, Liberty Mutual offers preferred rates on home insurance, as well as auto and renters insurance through the Affinity Marketing Program.* The affiliation discount gives clients a 10% discount on their premium on each line of business and other discounts through billing means. 

A home insurance policy ensures your biggest investments and valuable possessions are protected. For home insurance, you’ll have access to 24/7 support for claims service and home repair. The Liberty Mutual partnership is a great bonus for our PEO clients and their employees. 

Anthony Trepka is our representative to discuss any questions you may have when looking into homeowners insurance. If you are a PEO client that receives these benefits, have your employee ID number ready when you connect with Anthony. You can reach him online, by email at anthony.trepka@libertymutual.com, or directly by phone at 615-306-3539. 

*Discounts and credits are available where state laws and regulations allow, and may very by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. A consumer report from a consumer reporting agency and/or motor vehicle report, on all drivers listed on your policy, may be obtained where state laws and regulations allow. 

Tagged with: Liberty Mutual