Webb Insurance Group

Owning a home is a big milestone. To protect it from unexpected events like fire, theft, or natural disasters, homeowners insurance is important. But not all policies are the same. There are different types of homeowners insurance, and each offers different coverage based on your needs. Understanding these types can help you choose the right policy and avoid surprises later. HO-1: Basic Form This is the most basic type of homeowners insurance . It only covers a few specific situations such as fire, theft, and vandalism. While it’s low-cost, it may not protect against common problems like water damage or personal liability. This option is rarely used today because more comprehensive choices are available. If you want broader protection, you may want to look at other types. HO-2: Broad Form HO-2 insurance is a step up. It covers everything in the basic form and adds more protection like falling objects, damage from the weight of snow, or water issues from plumbing. It's a better opti...

Having a home means more than just owning property. It’s a place filled with memories, valuable belongings, and hard work. Protecting your home should always be a top priority, and that’s where home insurance comes in. Whether you own a house or rent an apartment, having coverage offers peace of mind against unexpected events. Protection from Natural Disasters Weather can be unpredictable. Storms, floods, and earthquakes can cause serious damage to your home. Without insurance, fixing that damage can be extremely expensive. Home insurance helps you cover repair costs when disaster strikes. This protection ensures your home is rebuilt or repaired without draining your savings. Some policies even cover temporary housing if your home becomes unlivable after a natural event. Coverage Against Theft and Vandalism Break-ins or property damage caused by vandalism can happen anywhere. It’s important to be prepared. Home insurance usually covers stolen or damaged belongings after such event...

Owning a home is a big responsibility, and protecting it should be a priority. One of the best ways to do that is through homeowners insurance. It’s designed to cover your house, your belongings, and certain risks that come with owning property. But many people are unsure of what is actually included in the coverage. Let’s take a closer look at what homeowners insurance typically covers and how it helps homeowners feel more secure. Protection for Your Home’s Structure One of the main purposes of homeowners insurance is to protect the physical structure of your home. This includes the walls, roof, floors, and other parts of the building. If your home is damaged by events like fire, windstorms, hail, or lightning, your insurance policy can help pay for repairs or rebuilding. It’s important to check the policy details to see which disasters are covered and if any are excluded, such as floods or earthquakes. Coverage for Personal Belongings Homeowners insurance doesn’t just cover th...