Home Insurance

It's good to plan for the unexpected. For peace of mind, apply for homeowners insurance to help pay for repairs, replacement costs, and extra living expenses.

Don’t have a home? Renters Insurance is an affordable way to protect yourself from unexpected occurences.

Protects You In More Ways Than You Think

It will do more than just protect your physical structure in case of accidents.

Prepare for the future by investing in insurance for your home…

Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. In the case of fire, wind, hail, lightning, and theft, you can be rest assure that you’re covered. As long as you pay the deductible, your home insurance policy will take care of the rest! Get a homeowners insurance quote, add the coverages you need, and stay protected.

Why you can rely on LMS…

 
 

    •   Get free quotes from leading insurance companies

 

    •  Compare numerous quotes side by side

 

  •   Select the policy that best fits your needs and budget

 

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

 
 

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

 

Damage caused by most disasters is covered, but there are exceptions. The most significant of these cases are damage caused by floods, earthquakes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Really, it’s all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investmentst.

 

    •  If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.

 

    • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

 

  •   If a guest in your home is injured, liability protection and medical coverage help pay expenses.

 

  •  If you are still paying for your home, your lender will require insurance.

 

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Here are few things to discuss with your agent that will possibly influence your decisions. It’s also good to be informed about what you’re investing in before you make the final purchase.

 

    •   How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)

 

    •   Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

 

  •  What discounts are available? (Ask about multiple policy, security system, and fire resistance discounts.)

 

  •   What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

 

  •   What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Give your home more protection.

Home insurance doesn’t cover floods. So is it smart to buy flood insurance? Well, one storm could cost you thousands or even hundreds of thousands of dollars. So in the end, the cost of flood insurance is a drop in the bucket compared to the cost of flood damages.