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Property and Home Insurance
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Welcome to Better Holmes Insurance, where we take protecting your home as seriously as you do, but without the usual insurance jargon and pressure. Nestled in the heart of St. George, Utah, we understand that your home is more than just a structure; it’s where your heart is. That’s why we offer comprehensive home and property insurance to keep you, your family, and your most cherished possessions safe – covering everything under the Utah sun!
Whether you own a cozy bungalow, a sprawling estate, or anything in between, our home insurance policies are tailored to meet your unique needs. And for those renting their slice of paradise, we’ve got your back with our renters insurance. So, let’s dive into what home insurance is and how Better Holmes Insurance makes it easy, educational, and maybe even a little enjoyable.
What is Home Insurance
Home insurance, or homeowner’s insurance, is more than just a policy—it’s a promise, a safeguard for your most valuable asset and the memories it holds. At Better Holmes Insurance, we understand the importance of this protection and are dedicated to helping you navigate the ins and outs of home insurance.
At Better Holmes Insurance, we’re not just about selling policies; we’re about building relationships and providing a safety net for your world. Our team in St. George, Utah, is committed to guiding you through the complexities of home insurance, ensuring that you have coverage that fits your lifestyle and needs. Because when it comes to protecting your home, we cover everything under the sun – with a smile!
Here’s a closer look at the key components of a robust home insurance policy:
What does it cover?
Dwelling Protection
This safeguards the physical structure of your home, including walls, roofs, and built-in appliances, against perils like fire, theft, and natural disasters
Personal Property Coverage
From your favorite couch to your treasured jewelry, this coverage protects your belongings inside the home.
Liability Protection
If someone is injured on your property, or you accidentally cause damage to someone else’s property, this coverage steps in.
Additional Living Expenses
If a covered event makes your home uninhabitable, we’ll help cover the costs of temporary living arrangements.
Exploring Other Types of Home and Property Insurance
At Better Holmes Insurance, we recognize that every home and homeowner in Utah has unique needs, and so do renters. Alongside our comprehensive home insurance policies, we offer Renters Insurance for those who lease their living spaces. This important coverage protects your personal belongings, offers liability protection, and can cover additional living expenses if your rental becomes uninhabitable. For those in flood-prone areas, our Flood Insurance provides essential protection against water damage not covered by typical policies. Earthquake Insurance is crucial for those near fault lines, offering peace of mind against seismic events. Landlords can benefit from our Landlord Insurance, which covers rental properties against tenant-related risks and property damage. Additionally, we provide specialized coverage for unconventional homes, including mobile homes and tiny houses, ensuring every type of dwelling in Utah is protected from the sun. Our approach is all about flexibility and customization – because we believe your insurance should fit your life, not the other way around.
Renters Insurance
Safeguarding Your Belongings with Renters Insurance
Just because you don’t own your home doesn’t mean you don’t own valuable things. Our Renters Insurance at Better Holmes Insurance is designed for those who lease their living spaces in Utah. This coverage is a safety net for your personal belongings, from electronics to furniture, protecting them against theft, fire, and other perils. It’s not just about your stuff; it also includes liability protection in case someone is injured in your rented space, and coverage for additional living expenses if you need to temporarily relocate. Renters Insurance is an affordable way to ensure that your personal property and financial well-being are protected, giving you the freedom to enjoy your rented home with peace of mind.
Flood Insurance
Navigating Through the Tides with Flood Insurance
In Utah, where certain areas are prone to flooding, standard home insurance policies don’t cover flood damage. Better Holmes Insurance fills this gap with Flood Insurance. This specialized policy is designed to protect your home and belongings from the destructive power of floodwaters. Whether it’s a flash flood or a prolonged water rise, having Flood Insurance means you’re safeguarded against the financial aftermath of water damage. It’s an essential layer of protection for homeowners and renters alike, ensuring that when waters rise, your financial security remains steady.
Landlord Insurance
Protecting Your Investment with Landlord Insurance
For those who have taken the step into property investment and rental, our Landlord Insurance is an indispensable tool. At Better Holmes Insurance, we understand the unique risks faced by landlords in Utah. This policy covers property damage, lost rental income, and liability protection. Whether it’s from tenant wear and tear, unexpected disasters, or legal liabilities, Landlord Insurance helps ensure that your investment remains profitable and protected. It’s not just insurance; it’s a support system for your venture into the property rental market.
Earthquake Insurance
Steady Support with Earthquake Insurance
Earthquakes are a reality in some parts of Utah, and the standard home insurance policy doesn’t cover earthquake damage. Our Earthquake Insurance at Better Holmes Insurance is here to bridge that gap. This policy covers damage to your home and personal belongings caused by seismic events. It also includes coverage for additional living expenses if your home becomes uninhabitable due to an earthquake. With Earthquake Insurance, you’re not just protecting your property; you’re securing peace of mind in an unpredictable world, knowing that you’re prepared for the tremors that life might bring.
The Top 10 Most Common Questions about Home Insurance
What is Homeowner Insurance
Homeowners insurance is a form of property and casualty insurance that provides financial protection against accidents and damages involving your house. It covers your home, and personal property, and can provide liability coverage if someone is injured on your property and sues you.
How Much Does a Homeowners Insurance Policy Cost?
The average cost of homeowners insurance in the United States is about $1,200 per year, or roughly $100 per month. Factors like the age and condition of your home, location, claims history, coverage level, and deductible size can influence the cost.
How Much Insurance Do I Need?
Ideally, you should have enough structural coverage to rebuild your home in the event of a total loss. This amount varies depending on your home’s size, construction grade, and local building material costs. Personal property and liability coverage needs depend on your circumstances.
What Does Homeowners Insurance Cover?
Standard policies typically include coverage for the physical structure of your home, personal property, liability for accidents on your property, and additional living expenses if your home is uninhabitable due to damage. Special riders or amendments can add other forms of coverage.
What Doesn't Home Insurance Cover?
Common exclusions include damage from flooding, water or sewage backup, termite and rodent damage, earthquakes, acts of war, and neglect. Standard policies may not fully cover high-value items like jewelry, but additional coverage can often be purchased.
Is Homeowners Insurance Required by Law?
Unlike car insurance, homeowners insurance is not required by law. However, mortgage lenders usually require it to protect their investments. Even if you own your home outright, having insurance is advisable for financial protection against potential damages.
Does Homeowners Insurance Cover Water Damage?
Coverage depends on the cause of the water damage. Sudden and accidental events like a burst pipe are generally covered. However, water damage due to lack of maintenance, water/sewer backup, or flooding is not covered under standard policies, though additional coverage can be purchased.
Does Homeowners Insurance Cover Mold?
If mold results from a covered event, such as a burst pipe, homeowners insurance may help with removal and remediation. Mold caused by non-covered events, including flood damage or poor maintenance, is typically not covered.
What "Perils" Does Home Insurance Cover?
Homeowners insurance covers perils like fire, windstorm, hail, lightning, smoke, explosion, theft, vandalism, riot, and vehicle collision. It does not usually cover earthquakes, floods, power failures, war, nuclear explosions, neglect, or intentional damage.
Does Home Insurance Cover Foundation Issues?
Foundation damage caused by a covered event is typically covered. However, damage due to earthquakes, flooding, and acts of war, for example, are usually excluded unless specific additional coverage is purchased.
Bundle + Save
Unlock the potential for savings with our exclusive bundling options at Better Holmes Insurance! You can streamline your coverage by combining your home, auto, and other insurance policies while enjoying significant discounts. Imagine the convenience of managing all your insurance needs under one roof and the peace of mind that comes with comprehensive protection. Plus, our personalized approach ensures that each bundle is tailored to fit your unique lifestyle and budget. Don’t miss this opportunity to simplify your insurance and save money. Contact us today to explore your bundling options and start saving!
Blog + News
Articles
Our Blog and News Section are designed to demystify insurance topics, offering you clear, informative, and engaging content that helps you navigate the complexities of insurance with ease. Whether you’re looking to understand the intricacies of various insurance policies, stay updated with the latest industry trends, or simply seek practical advice to safeguard your assets, our articles are crafted to empower and educate.
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