The importance of homeowners insurance
Homeowners insurance covers damage to your home and other property, but it also provides liability coverage for injury or damage that you or a resident family member cause to another person. At Scheff Insurance, we’ll explain your coverage, why it’s important, and help you find great rates by automatically comparing quotes from up to 20 top insurance companies. Contact us or get quotes to get started.
Custom homeowners insurance plans
Get a home insurance plan customized to meet your needs. There are many valuable coverage options. We’ll help you figure out what coverage to consider, what it means, and why it’s important.
Covers bodily injury and/or property damage you or a resident family member cause to another party.
Covers physical damage to your home and attached structures, like a deck.
Covers physical damage to other structures on your property, not connected to your home, like a shed.
Covers minor medical bills for guests that are injured on your property, without regard to fault.
Covers personal possessions like furniture, electronics, clothing, and more.
Loss of Use
Covers the cost of alternative living arrangements if your home is unlivable due to a covered incident.
Covers theft and disappearance of high risk property, like jewelry, guns, coins, and more.
There are even more optional coverages that might be right for you.
Home insurance is not required by law but is almost always required by the lender when there is a loan on the property. Even if the home is paid off, you should have insurance for catastrophic losses and personal liability.