Home insurance, sometimes called hazard insurance, is one of the most important investments a homeowner can make. It is not possible to predict when events such as fires, theft, and vandalism will occur. Therefore, it is vital to make sure you have the correct policy in place to protect yourself from some of the financial losses these types of events can cause.
With home insurance, it’s important to have a policy that fits your unique needs. This includes coverage for the actual building, your personal property, and liability insurance. No matter if you own or rent, have a house, apartment, or a condo; having insurance to minimize your risks is essential.
Working with an independent agency like Keslar Insurance Agency is the ideal way to ensure that you are getting a very competitive rate on home insurance, for the most coverage. It is our job to shop our highest-rated carriers to find the one with the policy that is the best fit for your needs.
When you use our services, you gain access to a partner on the insurance journey. You will be paired with one of our fantastic licensed agents, who are regularly trained to stay up to date on the latest news and changes in the insurance world. You also have full access to our online self-service portal for certifications or change requests 24/7. We know the more we know about you, the better we can help make sure you are appropriately covered. Therefore, we take action, big and small, to build that relationship with you. For instance, we always have real people answering our phones. We also will reach out to you periodically to make sure we have accurate information and you have updates about your policy. We will always be here to support you and be a resource for you, even after the policy is bound.
Homeowners Insurance – Frequently Asked Questions
- What does a standard homeowners insurance policy cover?
A standard homeowners policy typically covers your home’s structure (dwelling), personal belongings, liability protection, and additional living expenses if you’re temporarily displaced due to a covered event like fire or storm damage. - Is flood insurance included in my homeowners policy?
No, flood insurance is not included. It must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurer. This is essential for homes in flood-prone areas. - How much homeowners insurance do I need?
You should have enough coverage to fully rebuild your home (replacement cost), replace your belongings, and protect yourself from liability. An insurance agent can help estimate the right limits for your situation. - What’s the difference between actual cash value and replacement cost?
Actual cash value (ACV) pays for losses minus depreciation. Replacement cost covers the full cost to replace damaged property with new items, without depreciation. - Does homeowners insurance cover roof replacement?
Yes, if the damage is caused by a covered peril such as wind, hail, or falling trees. However, roof age and maintenance play a role—wear and tear is not covered. - Am I covered if someone is injured on my property?
Yes. Your policy includes personal liability and medical payments coverage to protect you if someone is hurt on your property and sues for damages or requires medical care. - Are my belongings covered outside the home (e.g., in a car or on vacation)?
Yes, personal property coverage generally follows you anywhere in the world. However, limits may apply for certain items like electronics, jewelry, or equipment, so high-value items should be scheduled separately. - What is loss of use coverage?
Also called Additional Living Expenses (ALE), this coverage helps pay for housing, meals, and other extra costs if you can’t live in your home due to a covered claim. - Do I need homeowners insurance if my mortgage is paid off?
While not required by law, maintaining coverage is highly recommended to protect your home from damage, liability, or catastrophic loss. - How can I lower my homeowners insurance premium?
You can reduce costs by bundling with auto or umbrella insurance, installing protective devices like smoke detectors or alarm systems, increasing your deductible, and keeping a clean claims history.
