Homeowners Insurance  

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world.  Whether you are a first-time home buyer or designing your dream home, buying a house is one of the most important decisions you’ll ever make, just as important is the coverage you purchase to protect it. Taylor Insurance can help you routinely review and update your insurance policy to reflect your changing needs and provide the most valuable combination of tailored coverage, quality service and the best possible premium.

Home Insurance: What are my coverage options?

Whether you rent or own your home, you’ve got a wide range of property insurance products and coverage to choose from.
First, understand which coverage elements are common among all Allstate property insurance policies:

• Personal Property
  To protect movable personal property, mostly within your home. Certain coverage limits apply.
• Family Liability Protection
  To pay for covered damages which you’re legally obligated to pay.
• Guest Medical Protection
  To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
• Additional Living Expenses
  To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.

Second, consider which policy is right for your living situation:

• House
• Condominium
• Mobile home
• Renter

Third, personalize your policy with additional coverage such as:

• Replacement Cost Coverage for many of your contents (subject to applicable underlying policy coverage limits).
• Scheduled Personal Property Coverage with increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, cameras and sports equipment….

Increased building code coverage. For example, if your home is damaged or destroyed you’d need protection to bring it up to today’s code standards as it is repaired.
To understand how much insurance is enough click here.