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Concierge Insurance. From Start to Claim.
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Springer Insurance can help you find the homeowner's insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
What you need to know about homeowners insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it's a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it's a policy that covers only specified losses.
Springer Insurance is here to help you find the right insurance for your home. Whether you're a home or condo owner, a renter, or a landlord, Springer Insurance will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:
What you select. Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
oWorried you aren't completely covered? Consider an umbrella insurance policy that extends your coverage.
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it's damaged or destroyed by an insured event like a kitchen fire or windstorm.
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
If you can't live in your home because of a covered loss, your home insurance policy will pay additional living expenses, commonly for up to 24 months, while damage is assessed and your home is repaired or rebuilt.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
Protect the Things that Matter to YouMake an inventory of your home and personal belongings. If possible, make a list as well as take photos or video, using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn't cover damages caused by poor or deferred maintenance on your part.
Every home is unique, talk to us todayto find out how to get the best price and value on homeowners insurance for you.
A standard homeowners insurance policy generally helps protect your home, detached structures, personal belongings, and your financial responsibility if someone is injured on your property. It often covers damage caused by fire, lightning, windstorms, hail, theft, vandalism, and certain types of water damage from sudden and accidental events. Most policies also include additional living expenses if your home becomes temporarily uninhabitable after a covered loss.
Because every policy is different, it's important to review your coverage regularly to ensure it reflects your home's current value and your family's needs.
While homeowners insurance covers many common risks, there are several important exclusions. Most standard policies do not cover flood damage, earthquakes, normal wear and tear, neglect, mold caused by long-term moisture issues, or damage resulting from poor maintenance. Sewer backups, sinkholes, and certain high-value personal items may also require additional coverage.
Understanding these exclusions can help homeowners avoid unexpected surprises when filing a claim.
The amount of homeowners insurance you need should be based primarily on the cost to rebuild your home—not its market value. Reconstruction costs include labor, materials, debris removal, and current building code requirements.
You should also have enough personal property coverage to replace your belongings and adequate liability protection to safeguard your financial future. Many homeowners choose to add an umbrella policy for additional liability protection.
Yes, homeowners insurance generally covers roof damage caused by sudden, accidental events such as hail, windstorms, falling trees, or fire. However, damage caused by age, deterioration, poor maintenance, or normal wear and tear is typically not covered.
Keeping your roof in good condition and documenting maintenance can help support future claims if storm damage occurs.
Homeowners insurance usually covers sudden and accidental water damage, such as a burst pipe, overflowing washing machine, or accidental plumbing failure. However, it generally does not cover flooding from rising water, groundwater intrusion, or damage caused by ongoing leaks that were not repaired.
Flood insurance is usually required to protect against flood-related losses.
Replacement cost coverage pays to repair or replace damaged property with new items of similar quality without deducting for depreciation. This often provides significantly better protection than actual cash value coverage, which reduces claim payments based on the age and condition of the damaged property.
Many homeowners choose replacement cost coverage because it better reflects today's construction and replacement costs.
A deductible is the amount you agree to pay out of pocket before your insurance coverage begins paying for a covered claim. Common deductibles range from $500 to several thousand dollars.
Generally, choosing a higher deductible can lower your insurance premium, while a lower deductible usually results in a higher premium. The right deductible depends on your financial situation and comfort level.
It may. Insurance companies consider several factors when determining future premiums, including the type of claim, the severity of the loss, your previous claims history, and regional claim trends.
Not every claim results in a premium increase, but homeowners should consider whether smaller repairs are worth submitting as insurance claims.
Standard homeowners insurance policies usually include coverage limits for valuable personal property such as jewelry, watches, firearms, collectibles, artwork, and antiques. If the value of these items exceeds your policy limits, you may want to purchase scheduled personal property coverage.
Scheduling valuable items often provides broader protection and may eliminate or reduce deductibles for covered losses.
Most insurance professionals recommend reviewing your homeowners insurance at least once a year and anytime major life changes occur. Renovations, home additions, purchasing expensive belongings, changes in occupancy, or significant increases in construction costs may all affect your insurance needs.
An annual policy review helps ensure your coverage keeps pace with your home's value and changing circumstances, giving you confidence that you're properly protected.
There are two main parts to a home policy: Property and Liability. The main part of the property portion is called Coverage A, or the Dwelling coverage. This is the part that will be used to rebuild the home.
When you first start this policy, your agent will do a Replacement Cost Estimator to determine who much insurance to put on the home. This is not EXACT but it is close enough as the policy probably comes with a buffer.
Remember, the Goal of any homeowners policy is to put you back they way you were BEFORE the loss. The policy is going to pay to have a contactor rebuild the damaged home, not to buy you the one just like it down the street.
