Homeowner's Insurance

Protect what is often your Largest Investment!

Battistone Insurance Group is licensed with most of the major carriers and can work to get you competitive quotes saving you not only money but a great deal of time.Make sure your home - often your most valuable financial investment in your lifetime - is adequately covered in the event of a disaster whether that be a fire, hurricane, theft or other life-changing situation with a sufficient homeowner's insurance policy. Not being properly insured is the biggest disaster of all. Make sure you have coverage for your home, contents and in the event of an accident on your property an umbrella policy to cover your legal concerns.We provide Homeowners and Renters Coverage.

What is homeowners insurance? Home Quote

Homeowners insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners insurance policy provides added security for your investment. Homeowners insurance also protects you if you're legally liable for someone's injuries on your property, as well as from

financial losses caused by storms, fire, theft and other events outlined in your policy. Different companies offer different homeowners insurance coverages, so choosing the right policy means finding the right mix of coverages to meet your needs.Generally, a standard homeowners insurance policy protects the following:

• The physical structure of your home

• Structures on your property (storage sheds, pools, boathouses, etc.)

• Your personal property and belongings inside your home, up to specified limits

• Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people

• Injuries to your household pets while inside your home

• Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home. Often, for an additional fee, you can select optional homeowners insurance coverages, including:

• Higher limits of liability for property damage or bodily injury

• Replacement cost for personal property

• Protection for valuables (jewelry, watches, fur, etc.)

• Additional coverage for electronics or computer equipment.

To make shopping for the right homeowners insurance policy easier, take an inventory of what you own to decide what level of coverage makes you comfortable. Once you know your coverage level, get a homeowners insurance quote and choose the policy that's right for you.What about townhouses? Home Quote

If you own a townhouse, you can insure it with a homeowners insurance policy or an association master policy, depending on your situation. Some townhouse associations have master policies, in which case you should purchase a tenant homeowners insurance policy to insure your personal property. Other townhouse associations do not have master policies, which is when you should purchase a homeowners insurance policy for your unit. Check with your association to determine which type of policy you should purchase for your townhouse.What is condo insurance? Home Quote

When you own a condominium, you are responsible for what's inside your condo. That's why having a personal condo insurance policy is important. Condo associations have master policies that cover the property, common areas and physical structure of your building. They do not cover your personal property

or your legal responsibility to others, and may not cover any improvements or customizations to your unit.That's where condo insurance comes in. As you get condo insurance quotes while shopping for a condo

insurance policy, you'll typically select from available coverages, such as:

• Personal property

• Replacement value of your primary dwelling and specified permanent attachments, up to a specific value

• Bodily injury if someone is hurt on your property

• Liability for property damage

• Damage protection from dangers, such as fire, plumbing freezes, vandalism, glass breakage, etc.

A basic condo insurance policy will cover damages to most of your personal belongings, as well as walls, floors, ceiling coverings, etc. Most condominium by-laws or trust agreements state that the condo owner owns or is responsible for everything within the unit, including permanently attached fixtures and improvements.With condo insurance, sometimes called an HO6 policy, damage to improvements, additions and alterations of your unit are covered. Your condo insurance policy also covers your belongings and the structural parts of the building that you own. Before you shop for condo insurance, take an inventory of what you own to decide what level of coverage makes you comfortable.

What is Renters Insurance? Home Quote

If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

• Personal property (furniture, electronics, computer equipment, clothing, etc.)

• Personal liability if someone is hurt, whether in your home or away from it

• Damage to your apartment or home caused by a covered loss

Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance,your personal property inside your apartment will generally be covered if it’s affected by any of the following:

• Fire

• Smoke damage

• Theft

• Collapse of the building due to weather

• Water leakage or overflow

• Freezing of plumbing, air conditioning and more

Renters insurance will protect you from incidents that occur while you're at home, too, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.You can't rely on your landlord's insurance to cover your valuables — landlord insurance only covers the building structure and not your personal property.Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.

Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable.What is mobile home insurance?

Mobile home insurance, or manufactured home insurance, not only covers your mobile home; it can also cover: Detached structures on your property, such as a shed or garage; Your personal belongings; Living expenses if your home is severely damaged by a covered loss; And injuries that might occur on your property—up to the limits you choose on your mobile home insurance policy.Mobile homes, manufactured homes, and modular homes are all eligible for coverage under a mobile home insurance policy. And if your mobile home isn’t your primary residence, you can build a non-owner-occupied, seasonal, or rental mobile home insurance policy to cover it.Coverage options

When you build your mobile home insurance policy, you’ll choose what you want to cover (e.g., your home, detached structures, and personal belongings), as well as the amount of coverage you need.Comprehensive coverage, included with every policy, offers protection against physical damage to your home caused by any peril, as long as it isn’t specifically excluded in your policy. Covered perils include:

• Fire

• Wind or hailstorm

• Smoke

• Damage to trees, shrubs, and lawns

• Falling objects

• Lightning

• Theft

• Vandalism

• Explosion

• Landslide

• Broad form coverage—which covers physical damage to your home if it’s caused by specific perils—is also available.

Battistone Insurance Group can also provide quotes for combination policies offering even greater savings when insuring your home & auto with the same carrier.

Renter's Insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

• Personal property (furniture, electronics, computer equipment, clothing, etc.)

• Personal liability if someone is hurt, whether in your home or away from it

• Damage to your apartment or home caused by a covered loss

Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights

of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters coverage,

your personal property inside your apartment will generally be covered if it’s affected by any of the following:

• Fire

• Smoke damage

• Theft

• Collapse of the building due to weather

• Water leakage or overflow

• Freezing of plumbing, air conditioning and more

Renters insurance will protect you from incidents that occur while you're at home, too, such as a toaster catching on fire or

a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.You can't rely on your landlord's insurance to cover your valuables — it only covers the building structure and not your personal property.Sometimes referred to as an HO4 policy, a renters policy can provide the financial protection you need in case your

possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling. Before you shop

for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. If you

live in a rented home or apartment, you may need to buy renter's insurance to cover your personal property in the event of

fire, theft, or other covered loss. Your landlord's insurance won´t pay to repair or replace your property.

Typically, renters insurance costs $30 or less per month, although you should expect to pay more if you have a lot of

expensive items. An "actual cash value" renters policy will pay for a property loss in the amount of the resale value of the

item at the time the loss occurred. In other words, if your two-year-old computer is damaged by water from a broken pipe,

the policy will only reimburse you for the value of a two-year-old computer -- not a new one. However a "replacement value policy" will reimburse you for the amount needed to purchase a new item of like kind and quality to the one that you need to replace. Replacement value policies cost more than actual cash value policies because they pay more for the losses you incur.

Renters insurance essentially covers everything a homeowners policy does, except for the value of the rented structure.

Many renters policies will pay for the cost of a place for you to stay temporarily if the damage to your property makes your home uninhabitable. A renters policy also protects you from legal liability in the event that someone has an accident and is injured on your property. In addition, many renters policies even cover property losses that occur off the rented premises,

up to a certain limit, such as lost luggage or a stolen camera on vacation.

If you're away at school, your personal property may be covered by your parent's or guardian's homeowners policy and you don't need a separate renters policy. Make sure your parents review their policy carefully to determine whether your property

is covered while you're living away from home and what the limit of the coverage is. It´s a good idea for them to check with their insurance agent to verify the coverage.

Policies

-HO2 – Broad Form Homeowner Policy

A more advanced form that provides coverage on a home against 17 listed perils (including all 11 on the HO1). The coverage

is usually a "named perils" policy, which lists the events that would be covered.

-HO3 – Special Form Homeowner Policy

The typical, most comprehensive form used for single-family homes. The policy provides "all risk" coverage on the home with some perils excluded, such as earthquake and flood. Contents are covered on a named peril basis. (Note: "All Risk" is poorly termed as it is essentially named exclusions (ie. if it is not specifically excluded, it is covered))

-HO4 – Renter's Insurance

The "Tenants" form is for renters. It covers personal property against the same perils as the contents portion of the HO2 or HO3. *An HO4 generally also includes liability coverage for personal injury or property damage inflicted on others.* Please check your policy to be certain of liability coverage.

Mark Battistone

281-391-3133

mark@battistoneinsurancegroup.com

Serving the Health & Life Insurance Needs of Texas, Louisiana & Oklahoma

Homeowner's Insurance

Protect what is often your Largest Investment!