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<div align="center" style="text-align: justify;"><span style="color: #000000;"><img src="https://assets-us-01.kc-usercontent.com/0542d611-b6d8-4320-a4f4-35ac5cbf43a6/8b8657b4-d65a-44c5-9caf-b499e9431b1d/homeowners-insurance-header.jpg?w=1110&amp;h=400&amp;fit=crop" alt="Beautiful Exterior of New Home at Twilight" /></span></div>
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<div align="center" style="text-align: justify;"><span style="color: #000000;">Your home isn’t just a structure made of beams and walls — It’s your happy place, and it deserves to be protected. </span></div>
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<h3><span style="color: #000000;">What Does Homeowners Insurance Cover?</span></h3>
<p><span style="color: #000000;">To put it simply, homeowners insurance is designed to repair, replace or recover the value of what you currently have (under coverage) if it’s damaged due to any number of causes.</span></p>
<p><span style="color: #000000;"><strong>Types of Claims and Cause of Damage</strong></span></p>
<figure data-asset-id="619918d2-501e-49dc-99fa-385f4e582cb9" data-image-id="619918d2-501e-49dc-99fa-385f4e582cb9"><span style="color: #000000;"><img src="https://assets-us-01.kc-usercontent.com/0542d611-b6d8-4320-a4f4-35ac5cbf43a6/d5178d82-24d4-417a-b93d-3de7ceeaadfe/homeowners-claims-causes-chart.png" data-asset-id="619918d2-501e-49dc-99fa-385f4e582cb9" data-image-id="619918d2-501e-49dc-99fa-385f4e582cb9" alt="Homeowners types of claims and causes chart" /></span></figure>
<ul>
<li><span style="color: #000000;"><strong>Property Damage</strong> - This is by far the biggest claim maker, which includes damage to your house and any structures on your property due to water, fire and severe storms among others.</span></li>
<li><span style="color: #000000;"><strong>Natural Disasters</strong> - Homewreckers like floods and earthquakes are usually not covered by basic plans, meaning, you’ll need added coverage or a separate policy to keep your goodies protected. See what disasters are covered &gt;</span></li>
<li><span style="color: #000000;"><strong>Standard Home Liability</strong> - This will cover you financially if someone is injured or their personal belongings are damaged while on your property. More liability info &gt;</span></li>
<li><span style="color: #000000;"><strong>Extra Money for Living -</strong> If your house is too messed up to live in while it’s being repaired or rebuilt, most policies will pay for a hotel and other living expenses, like groceries.</span></li>
<li><span style="color: #000000;"><strong>Personal Property Coverage (AKA your stuff) - </strong>This will depend on the policy. Items like furniture may only be covered up to a depreciated value, but stuff like your bling might not have any coverage and will need additional insurance.</span></li>
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<h3><span style="color: #000000;">Is Homeowners Insurance Mandatory?</span></h3>
<p><span style="color: #000000;">Homeowners insurance isn’t required by law, but most lenders will be sticklers and will require a policy in order to give you a loan. At a minimum, they’ll want your policy to cover or exceed the amount you owe on the loan.</span></p>
<h3><span style="color: #000000;">What's So Great About an Independent Insurance Agent?</span></h3>
<p><span style="color: #000000;">It’s simple. Literally. Independent insurance agents simplify the process by shopping and comparing home insurance quotes for you. Not only that, they’ll cut the jargon and clarify the fine print so you know exactly what you’re getting.</span></p>
<p><span style="color: #000000;"><strong>Percent of People Who Understand Their Insurance Coverage</strong></span></p>
<figure data-asset-id="d3c8f35b-0199-4e59-a764-67df4c104e2e" data-image-id="d3c8f35b-0199-4e59-a764-67df4c104e2e"><span style="color: #000000;"><img src="https://assets-us-01.kc-usercontent.com/0542d611-b6d8-4320-a4f4-35ac5cbf43a6/9ba55b13-48f3-4b79-af47-bab24797d533/home-owners_homeowners-understand-coverage-chart.png" data-asset-id="d3c8f35b-0199-4e59-a764-67df4c104e2e" data-image-id="d3c8f35b-0199-4e59-a764-67df4c104e2e" alt="Homeowners insurance understanding coverage chart" /></span></figure>
<p><span style="color: #000000;">Plus, independent insurance agents work for YOU and not one insurance provider. Actually, they’re the only agents who can check policies from multiple carriers to find the right coverage at the best price.</span></p>
<p><span style="color: #000000;"><strong>Percentage of Homeowners Who Are Under-insured</strong></span></p>
<figure data-asset-id="03a632e5-1545-4796-8449-6ffb875a0ed5" data-image-id="03a632e5-1545-4796-8449-6ffb875a0ed5"><span style="color: #000000;"><img src="https://assets-us-01.kc-usercontent.com/0542d611-b6d8-4320-a4f4-35ac5cbf43a6/a8105047-030e-4aee-b068-7397af0e21ea/home-owners_homeowners-underinsured-chart.png" data-asset-id="03a632e5-1545-4796-8449-6ffb875a0ed5" data-image-id="03a632e5-1545-4796-8449-6ffb875a0ed5" alt="Homeowners people who are under-insured chart" /></span></figure>
<p><span style="color: #000000;">Most importantly, they’ll be there to help you when claim time comes. The outcome of home insurance claims can be strongly impacted by how the process is approached and handled. </span></p>
<h3><span style="color: #000000;">How to Make Sure You're Adequately Covered</span></h3>
<p><span style="color: #000000;">Many homeowners think they’re fully covered. Unfortunately, they’re not, and figuring this out when it’s claim time can be infuriating. Finding the right coverage depends on a number of things, from crime rates to wildfires in your area. Here are several hacks to help you.</span></p>
<p><span style="color: #000000;"><strong>Three Home Insurance Hacks</strong></span></p>
<ul>
<li><span style="color: #000000;">Add an umbrella policy to increase coverage by up to $1 million or more.</span></li>
<li><span style="color: #000000;">Protect higher-value items like jewelry and art through “riders” or “endorsements.”</span></li>
<li><span style="color: #000000;">Get replacement cost home insurance instead of “actual cash value,” which only covers the current depreciated value.</span></li>
</ul>
<h3><span style="color: #000000;">How Much Does Home Insurance Cost?</span></h3>
<p><span style="color: #000000;">The average annual cost of homeowners insurance is $1,132 nationwide, but that cost can vary region to region, based on nasty hazards like floods and earthquakes. Find a complete state average cost list here &gt;</span></p>
<p><span style="color: #000000;"><strong>Check out How Much Homeowners Insurance Varies by State:</strong></span></p>
<figure data-asset-id="5d2dbea9-fad8-4d60-87e4-03782c86fa6c" data-image-id="5d2dbea9-fad8-4d60-87e4-03782c86fa6c"><span style="color: #000000;"><img src="https://assets-us-01.kc-usercontent.com/0542d611-b6d8-4320-a4f4-35ac5cbf43a6/df357e31-dc99-434b-ab2c-c7fabc2a06c8/home-owners_homeowners-average-premium-price.png" data-asset-id="5d2dbea9-fad8-4d60-87e4-03782c86fa6c" data-image-id="5d2dbea9-fad8-4d60-87e4-03782c86fa6c" alt="Homeowners insurance premiums average cost" /></span></figure>
<h3><span style="color: #000000;">Where Are All the Home Insurance Discounts Hiding?</span></h3>
<p><span style="color: #000000;">To start, combining policies and raising your deductible are two easy ways to drive down cost. You can also get lower rates and discounts if you reduce the risk of theft and damage by installing fire sprinklers, smoke alarms and security systems.</span></p>
<h3><span style="color: #000000;">The 411 On Online Home Insurance Quotes</span></h3>
<p><span style="color: #000000;">We know what you’re really looking for — fast and easy insurance quotes in 30 seconds or less. We get it, you want the goods ASAP, but choosing speed over accuracy can leave you high and dry or low and wet.</span></p>
<p><span style="color: #000000;">Robots and algorithms may be quick, but your peace of mind isn’t a variable in their quoting equation. Not only that, our competitors may sell your info to multiple companies, which can result in calls, on calls, on calls.</span></p>
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<div align="center" style="text-align: justify;"><span><span style="color: #000000;">To read the full article, </span><a href="https://smallbiztrends.com/2020/09/10-tiny-pivots-to-make-your-small-business-more-effective.html">click here</a><span style="color: #000000;">.</span></span></div>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]