Home Insurance

Homeowners' Insurance: Insuring the Place You Call Home

Your home is likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Woods Insurance can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.

Insuring your home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered losses. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. We will help you decide which policy is best for you.

New Mexico Adobo Home

The amount you pay for your homeowners’ insurance depends on many factors. Your home insurance policy is most often made up of the specific options you choose. 

Think of your personal housing situation, and the assets you want to protect.

Protection for your home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by a covered peril like a kitchen fire or windstorm.

Protection for you and other people

Personal Liability Coverage applies if someone is injured or their property is damaged, and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets and loss of future earnings if you are sued.

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases, covers people who are injured off your property. It does not cover medical costs for you or other members of your household.

Additional living expenses

If you can’t live in your home due to a covered loss, your home insurance policy will pay additional living expenses while damage is assessed and your home is repaired or rebuilt.

Protection for your personal property

Your home is filled with furniture, clothes, electronics, and other items that are worth a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.

Scheduled personal property coverage

Additional coverage can be purchased if you have special possessions such as jewelry, art, antiques, or collectibles. It provides broader coverage for specific items. Call us today to find out more.

Making an inventory list or take photos or videos of your home and personal possessions can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique. Call us today to find out how to get the best premium on home insurance for you.

Contact Woods Insurance Agency for a Free Home Insurance Quote

Do you have questions about homeowners insurance? At Woods Insurance, we’ve got the answers you need to make informed homeowners insurance coverage decisions! If you’re ready to see how much you could save on homeowners insurance, call Woods Insurance at (800) 949-3720 today.

 

For a free online home insurance quote, fill out our free quote form!
You can also stop by our Woods Insurance NM or Woods Insurance CO regional offices to learn more.


We’re licensed in 33 states, so get started today.

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