Homeowners Insurance

Homeowners insurance is an important part of protecting your home and personal belongings. It provides financial protection in the case of certain kinds of damage or losses, such as fires, storms, theft, and more. It also helps protect you from legal liability if someone is injured at your home.

Homeowners Insurance Details

Most homeowners policies include three types of coverage: dwelling coverage, personal property coverage, and liability coverage.

Dwelling coverage helps to repair or rebuild your home if it is damaged or destroyed by a covered event.
Personal property coverage helps replace any of your personal belongings that have been lost or damaged in a covered event.
Liability coverage helps protect you from legal liability if someone is injured on your property or as a result of something you do.

In addition to these core coverages, homeowners insurance policies typically include additional coverage for things like medical expenses, lost wages, and other living expenses if you are forced to temporarily relocate. Some policies also offer coverage for items such as jewelry or collectibles.

When shopping for homeowners insurance, it’s important to consider the value of your home and belongings, as well as the potential risks you face. It’s also important to make sure you understand any deductibles or exclusions that could impact your coverage.

Having the right homeowners insurance policy in place can help provide peace of mind knowing that if something happens, you will be able to get back on your feet. Make sure you understand your policy and the coverage it provides so that you can rest assured that your home is properly protected.

Personal Assistance with your Homeowners Coverage

Overall, homeowners insurance is an important part of protecting your home and personal belongings. For personal assistance building the right plan for your home, and for help finding a carrier that offers low rates on the coverage you need, contact our team by calling our offices or clicking on the Check Your Rates banner above.

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Ive worked with Don for the last few year's. When I started my buisness I knew I needed help and didn't know where to start.I knew I needed an absolute beast of an agent and every other owner/ operator I talked too said if "You don't have Don Blizzard as an agent then you dont have the best agent. "He took a chance and helped me grow my buisness to where its at today. Riskaverse is the absolute best and since starting my buisness all my insurance is through them with help from Don Blizzard. He has a way to explain it to me where I understand my coverage and exposure and the commercial side including Meghan are the absolute best at getting COI'S sent to potential clients within minutes of requesting the copy.Hands down I only go where Don goes and I know whatever policies are written and where my coverage goes my loyalty will always lay with Don.He took a chance and grew with me and I'm forever grateful to all the staff at RiskAverse for being family and buisness friendly and not looking at me as a number or a client but actually caring and finding us the best for which suits our needs.#TeamDonBlizzard #TeamRiskAverse#TeamMegan

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Anytime I’ve needed assistance, the staff has always been accommodating. I have, and will continue to refer people here.

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Highly recommend!

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My company, APCS Belts, has been a Risk Averse Insurance client for over 7 years now. As a business owner, business insurance is a huge priority. It is imperative that you have the right coverage at a cost that fits your budget. Risk Averse has always assisted us in finding exactly what coverage we need, as well as helped us change coverage when necessary as we have grown as a company. From Workers Compensation to Property & Liability to Commercial Vehicle Insurance, they have helped us navigate through all of that and with the most responsive, knowledgeable, and professional customer service. We have our own dedicated customer service rep who is amazing - always available and able to help us with our many requests and is always on top of our renewals. You cannot ask for a better insurance agency. I would never go anywhere else and would recommend all of my colleagues to use Risk Averse Insurance!

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Great experience! Highly recommend.

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Erik W. at Risk Averse has been absolutely amazing to work with. He was extremely transparent and responsive when we needed homeowner’s insurance, making that portion of the mortgage process smooth. He also matched us with a highly ideal insurance provider who is easy to work with as well. It was easy to add on our cars to consolidate things and we also compared some pet insurance options with Erik’s help. He is only a text or call away when we need his help, and he always goes the extra mile! Thanks to Erik and Risk Averse for making insurance - a traditionally confusing and frustrating subject - easy to manage :)

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