Home Insurance

We insure your safe place!

Home Insurance

We insure your safe place!

Home Insurance can make sure you are protected.

Home is where the heart is.  After a long day of work you look forward to going there.  You create memories and raise your family there.  So its important to protect it.   Suggs Agency knows that, and we take pride in knowing everything we need to about Home Insurance. We do the research and work with multiple carriers so that when the time comes to cover your most valuable investment, we are ready.

Homeowners Coverage can cover you for:

  • Burglary and Theft
  • Water and Pipe Damage
  • Liability Suits
  • Destruction from natural disasters or fallen trees

Home Insurance is comprised of many coverage types.

Coverage A
The Dwelling –  This includes the actual structure of the home and attached structures. One example is an attached garage..

Coverage B
Other Structures – This includes any structures not attached to the home.  One example is a storage building, gazebo, etc.

Coverage C
Personal Property or Contents –  This includes anything not permanently affixed to the home.  IE.  Clothing, furniture, electronic equipment, etc.

Coverage D
Loss of Use –  If you need a hotel room while repairs are being made to the home, this area covers that expense.

Coverage E
Personal Liability – If a non family member injures themselves on the property, this covers loss of wages and other personal liabilities.

Coverage F
Medical Payment – This covers any medical expenses to injured parties other than family members.

There are also limits that are required by the state. Rather than getting stuck having to foot the bill for repairs or personal injuries. Make sure you carry at least 80% coinsurance on your home insurance policy. Suggs Agency has all the details. Before it’s too late check with your agent to find out more. You can also reference handy guides like the Consumer Guide to Home Insurance.


Home Insurance