Homeowners Insurance to Protect You from Anything Life Throws at You
- Avoid the financial risk and protect your home
- Bundle home insurance and car insurance and save big
- Our licensed brokers find you the top deals for coverage and your budget
What Does Homeowners Insurance Cover?
Home insurance covers perils, the damages or losses explicitly outlined in your homeowner's policy. This includes damages or destruction to a home’s interior and exterior and losses due to theft. There’s also liability protection if someone is injured at your home. You can add perils to your policy or find other insurance policies to further protect your home, like flood insurance.
Let’s get started today. Call us at 1-833-433-0331 to find the right policy for your home.
Plus insurance from other disasters such as:
Breaking Down the Different Types of Homeowners Insurance Policies
Did you know there are eight different types of homeowners insurance policies? Each is designed with different levels of protection.
No one wants to fall victim to a break in or burglary. While the actions of others are out of our control, you can rest easier with an insurance policy that's built for handling anything life throws your way. Whether you're weighing your options between dwelling and personal property coverage, or need help understanding your deductible and coverage limits, we're here to help. You can also stay ahead of the curve with a smart security system from ONIT. A security system can stop a burglar in their tracks before they even have the chance to get inside.
Service Line Coverage
Use service line coverage to protect your home from handling the costly expense of having damaged pipes or wiring coming onto your property. Speak to one of our licensed brokers about adding this to your policy for extra protection.
Beef up your homeowner's insurance by adding appliances and electronic coverage to your policy. Our homes can be hectic and the unexpected can happen at any moment. We're here to make sure every inch of your personal property is covered with a flexible policy.
The National Fire Protection Association reports that every 24 seconds a fire department in the US responds to a fire emergency. We'll make sure your property has the protection it needs when you need it most with comprehensive fire insurance. Our coverage extends beyond property damage to your personal items and all facets of your property.
Local Ordinance Changes
Prepare for unexpected and expensive code changes within your city by adding local ordinance changes in your insurance policy. Speak to our team of licensed brokers to learn more about how we can protect you from having to pay out of pocket for city-mandated residential upgrades.
Computer + Electronics
In this modern day and age, our technological devices have quickly become some of our most valuable possessions. Insuring these items provides you with a safety net against theft, vandalism, data damage, and more.
Full Replacement Costs
There's no better backup plan than having full replacement costs in your policy. This ensures your family is able to finance replacing your home or belongings lost in a disaster or other unfortunate event.
Make sure all your bases are covered with water backup insurance. Adding this to your policy provides you with protection against hefty water damage fees.
Enhanced Rebuilding Coverage
If your home has been severely damaged or destroyed, enhanced rebuilding coverage provides you with a helping hand for financing the replacement expenses.
Unpredictable weather makes it difficult to prepare and protect your home against severe weather storms. With wind protection, you can rest easy knowing that your home is covered against flying debris or other effects of damaging windstorms. You can count on us to make sure the wind protection you have covers every inch of your property. We'll make sure your policy quickly addresses home repairs after a catastrophic weather event blows through your area. That way you and your family can return to enjoying your special space.
When a vicious storm strikes, hail is most likely on your radar. Find protection against the damaging impact of these large ice chunks when you include hail coverage in your insurance policy at ONIT. We're here to answer questions you have about your deductible or coverage to make sure it meets the needs of your home. From roof replacement to auto repairs, we'll make sure you get the protection you need.