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Whether you own or rent your home, you should insure your property to guarantee protection for you and your family.  Damages to your home are often unexpected and can be caused by peril, theft or even vandalism. Here are some of the top reasons to consider insuring your property today.

Insurance Protects Your Home From Loss

In the case of any damage due to a hazard, the typical homeowner's policy will help you cover repairs and renovations necessary to bring your home back to where it was before the damages occurred. Homeowners insurance will guard you from hazards including: 

• Wind or thunderstorms
• Hurricanes or tornadoes
• Fire
• Vandalism
• And more

Insurance Protects Your Personal Belongings  

If your personal belongings are stolen or destroyed by a hazard, your homeowner’s insurance may reimburse you for the value of those items. Such items can include anything from jewelry, clothing, electronic, electronics and more.

Your policy will protect your item outside of your home, too. Whether your valuables are in your car, in storage, or traveling with you on vacation, your homeowner’s policy can replace them if they are stolen. 

Homeowners Insurance is Required by Mortgage Lenders 

You typically need homeowner’s insurance if you're financing your house. Home insurance guards your lender's investment from loss or damage caused by covered risks like a fire or vandalism.

The amount of your mortgage may dictate how much homeowner’s coverage you must carry. If you do not keep your home insured, your mortgage lender may purchase a policy in your name and add payments to your monthly bill.

Renters Need Insurance Too

If you are a tenant, your home is already covered by your landlord's property insurance. Your personal property however will remain unprotected without your own renter's insurance policy. Renter's insurance is remarkably affordable given the coverage that it provides. At a low yearly premium, your coverage will include loss to personal property due to theft or peril and accidental injury in your home. 

Perils that may cause covered losses include:

• Fire or lightning
• Windstorm or hail
• Theft or vandalism
• Water damage
• Smoke and more

At The Britto Group, our agents compare quotes from more than five insurance companies in order to find you the best price for the coverage you need. Whether we write your homeowners or renters policy with Nationwide, Berskshire Hathaway Guard, or another top A-rated insurance company, we guarantee to provide you with excellent service and the best rate possible to match your needs. 

Call today for a free quote!  For more information regarding any of your insurance and real estate needs, contact us at any time by phone or email.