Homeowners Insurance

It is your home so make sure it is protected. With KADAIR Insurance, your home, and a large share of your total net worth, will be protected with homeowners insurance from a top-rated insurance company.

Home insurance is a very important part of owning your own home. Buying home insurance protects your home, inside and out, and it can be incorporated into your mortgage payments. Many lenders even require adequate homeowners insurance as a condition of obtaining a mortgage.

What Homeowners Insurance Protects

Every homeowner’s insurance policy is unique, but a standard policy will generally offer:

  • Broad coverage for damage to your home (except when the damage is caused by something specifically excluded)
  • Protection for structures on your property, such as a pool or storage shed
  • Protection for your personal property, up to specified limits
  • Limited coverage for specific items like stolen jewelry
  • Protection against liability (legal responsibility) for injuries or property damage to you or your family members by other people
  • Living expenses if a fire or insured disaster leaves you without a home temporarily
  • Additional coverage available separately for valuable items in your home or on your property. For an additional fee, you can select optional coverage’s such as higher limits of liability for bodily injury, replacement cost for personal property, additional coverage for electronics and more.

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Get Discounts on Home Insurance

Did you know there are many discounts available to make homeowners insurance even more affordable? You may qualify for the following homeowner’s insurance discounts.

Multi-Line Discount

Multi-Line Discount

Purchase homeowners and auto insurance together and get a discount on both premiums.

Home Alert Discounts

Home Discounts

Devices such as burglar alarms and fire alarms and house fire sprinklers can save you substantially on your home insurance premiums.

Higher Deductible = Lower Premium

Higher Deductible = Lower Premium

Raising your deductible can also lower your premium but increase the amount you will pay out-of-pocket for a covered loss.

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Types of Homeowners Insurance

Homeowners insurance protects your home and property from "perils," which are exposures to risk or something that causes a loss. There are several types of homeowner’s insurance policies that protect you against a range of perils.

The most basic policy will cover the following types of perils:

Homeowners insurance quote
  • Fire and lightning
  • Loss of property on premises due to fire or other peril
  • Vehicles
  • Hail damage and windstorms
  • Smoke
  • Explosion
  • Theft
  • Vandalism or malicious acts
  • Civil commotion or riot
  • Aircraft
  • Broken glass that is part of the home

If you upgrade your policy, you can be protected against other perils, such as:

  • Weight of snow or ice
  • Building collapse
  • Frozen appliances, heating and air conditioning systems and plumbing
  • Falling objects
  • Accidental discharge, leakage or overflow of water from inside an appliance, air conditioning or heating system or plumbing
  • Tearing, cracking, or burning of hot water system or appliances for hot water
  • All perils except flood, nuclear accident, war and earthquake

Get a Free Homeowners Insurance Quote

Ready to protect your home and personal belongings? Before requesting a quote for home insurance, make an inventory of what you own to help you choose an adequate level of coverage. Next, give us a call! KADAIR Insurance will do the comparison shopping for you among top-rated insurance companies to find the best home insurance policy that offers the level of coverage you need at a price you can afford.

 CALL TO GET A PERSONALIZED QUOTE