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Home Owners Insurance

Protect Your House and Personal assets with Homeowners Insurance. You should be certain that your current coverage protects you and all of your assets. Many people are spending too much money for too little insurance coverage. We can help you find a policy that fits your individual needs and budget. In order to find the most competitive policy we try to combined your Home and Auto Insurance for a Multiple Policy Discount.

Shield your family and personal investments against unfortunate events that can happen like storms, burglary or fire. New Redwood offers low rates for homeowner insurance policies and can insure your home today so call now for your free quote.

Home Insurance and Protection

Homeowners Insurance FAQ’s

 

Why should I buy homeowners insurance?

  • Home Owners: Protect both your house and personal property.
  • Tenants of Rental Properties: Protect your personal property.
  • All parties: Protection against liability for accidents that injure other people or damage their property.

What is Homeowners Insurance?

Homeowners insurance protects you if your home is damaged or destroyed. In addition, it covers your family’s possessions and can provide you with compensation for liability claims, medical expenses, and other amounts that result from property damage and personal injury suffered to others. By paying insurance premiums, and satisfying the other requirements of your insurance company, you can protect yourself in the event of loss due to unforeseen and/or catastrophic events. You still won’t be able to predict when an unforeseen event may occur, but you will sleep better knowing that homeowners insurance can save you from catastrophic loss and financial disaster.

I have a dog that bit someone once. Will that affect my chances of getting homeowners insurance?

While having a dog with a history of biting doesn’t automatically disqualify you from getting a homeowners policy, it can make it a little more difficult. You might end up having to get a policy that excludes coverage for anything your dog does. You can read more about the subject in Good dog, bad dog: Home insurance for dog lovers.

If a tree falls on my house from my neighbor’s yard, who pays for the damage?

Generally the insurance responsibility lies with whose property is damaged. In other words, if a tree falls on your home, no matter where the tree came from, your insurance company should pay for your home repair. An exception would be if the damage occurred as a result of negligence; for instance, if the tree was dead before it fell, and you had proof that your neighbor knew the tree was dead. Under those circumstances, the damage becomes your neighbor’s liability. As a rule, state insurance officials suggest that you file a claim with your insurance company and let them deal with it.

We’re going to be building a house. How do I insure it while it’s under construction?

Basically, you just need a standard homeowner’s policy. Make sure to mention that the house is currently under construction.