Homeowners Insurance

Purchasing homeowners insurance can be a daunting task, but it is critical to protecting your home. Although no one can predict the future, a homeowners insurance broker can ensure your home is protected in the case of certain unpredictable events. There’s nothing more devastating than being unable to rebuild and recover after an accident, but luckily, homeowners insurance is here to help!

What does homeowners insurance cover?

Homeowners insurance should contain all of the following coverages: structural coverage, content coverage, personal liability, and loss of use. Each of these coverages are vital in the event of a claim.

Structural coverage protects not only your home, but any other structures on your property such as barns and sheds. Content coverage provides coverage for the personal belonging that may be damaged in an accident. Every policy is different, and the contents of your home will determine whether standard content coverage will be sufficient. In some cases, you may need to purchase additional riders for high value items above a certain value threshold.

Personal liability coverage and loss of use are the least understood coverage components, but they are invaluable in the event of a loss. Personal liability coverage protects you from lawsuits that may arise if someone is injured on your property. Without this coverage, you may be personally responsible for extensive medical bills and pain and suffering claims. Loss of use coverage is equally important because it ensures your standard of living is upheld over the course of repairs. Loss of use may also cover rental cars, restaurant meals and even hotel bills.


Why do I need a homeowners insurance broker?

Whether you’re still in the buying process or whether you’ve been in your home for years, working with a homeowners insurance broker will help you select the best policy for your needs and lifestyle. At Frankel & Associates, we’ll partner with you to help assess your unique risks. Next, we evaluate possible policies based on a variety of factors such as replacement cost, premiums, previous claims response history and coverage limits. As a result, you’re able to save time and money by considering the plans that meet your requirements.

Selecting homeowners insurance as an individual can be extremely time consuming. Often, it requires inputting dozens of personal, identifying details into provider websites, only to receive an estimated premium cost and confusing term sheets. When you work with an insurance broker, we evaluate your needs first, before focusing on policy options. Every homeowner is different, and the brokers at Frankel & Associates get to know your needs before presenting you with policy options that are right for you.

Your homeowners insurance broker is focused on obtaining the best coverage for your needs, not upselling an expensive package. We are not beholden to any company, which allows you to evaluate options from multiple providers. With our exceptional customer service, finding a homeowners insurance plan has never been easier!

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