EZ Insurance Portal
Protect your home & your family with home insurance

Protect your home... get insurance today!

Protecting your home, while not required like auto insurance, is essential. A lot of times you won’t be able to get a mortgage if you do not have home insurance. There are four main types of coverage:

  • House Structure - This coverage will cover all damages that happen to the structure of your house. It will also cover surrounding features of your house such as your garage and yard. Damages from natural disasters are also included and the rebuilding of your house can also be included.
  • Additional Living - If your house is currently being rebuilt this can cover the cost of living while you are waiting, this includes hotel bills, food and other general living expenses.
  • Personal Belongings - This covers the stuff you keep in your house. If your house burns down or you get robbed you will receive compensation for your personal belongings.
  • Liability Protection - If someone gets hurt while on your property you will be held liable, liability protection will protect you from the costs of medical bills or court fees.
Get your free house insurance quote today - just fill out the form to the right!
Did you know that flooding is not covered in house insurance? This is a common mistake as most think it is but in fact flooding is covered by flood insurance. The confusion has cost many people a lot of money because repairing flood damage can be very expensive. So if you are buying a house that is in an area that is susceptible to flood make sure you have flood insurance to help protect you from that water.  

Do I Have to Have Home Insurance?

No you do not. Home insurance is not required because there is no damage done to anyone but you if your home gets damaged. However, in order to get a mortgage loan you are most likely going to need to have home insurance. The bank wants its collateral, your house, to be insured in case something where to happen. A destroyed house is no longer a useful asset to them if you default on your mortgage.
 
 

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