Homeowner's Insurance Services

Homeowner’s Insurance

Protect what matters most with homeowner’s insurance from Chris Smith Insurance. Our policies can help ease the financial burden that accompanies repairing or rebuilding your home after an accident. Whether you’re replacing belongings that were damaged or stolen or are covering the costs of a liability lawsuit, our policies can help. Call Chris Smith Insurance today to get started.

Types of Policies Offered

Dwelling Coverage

Covers the repair or rebuilding of your home if it’s damaged or destroyed

Personal Property Coverage

Pays the cost of fixing or replacing belongings

Liability Coverage

Protects your financial assets if you’re at fault

Additional Living Expenses Coverage

Covers rent, food, and other increased costs

Our homeowner’s insurance policies can cover damage caused by:

• Vehicles
• Explosions
• Falling objects
• Fire and smoke
• Lightning
• Theft
• Vandalism
• Malicious mischief
• (Some) water damage
• Ice, snow, and sleet
• Windstorms
• Hail

Estimating the Cost of Your Policy

Homeowner’s insurance is not required by law. However, if you have a mortgage, your lender may require you to have a policy. To estimate the cost of your policy, multiply the total square footage of your home by the per-square-foot building costs in your area.

Then, consider how much it would take to replace your belongings, offset additional living costs while you handle your emergency, and protect your financial assets in court. On average, this amounts to $1,115 per year per package with dwelling, property, and liability coverage and an insurance range of $200-$300,000. Call Chris Smith Insurance today for more information.