As a homeowner, one of the most important investments you can make is in a home insurance policy. Without insurance, rebuilding your home and replacing everything in it after a disaster can be a financial nightmare. Home insurance can provide protection for your property, personal possessions, and even you.
What is home or property insurance?
Our policies are designed to provide coverage for a variety of risks that homeowners face, from property damage to liability claims. We understand that every homeowner is unique, which is why we offer customizable coverage options that can be tailored to your individual needs.
Commercial property insurance helps ensure the future of your business. It helps protect:
homeowners insurance can provide peace of mind and financial protection for homeowners and their loved ones.we provide homeowners insurance package policies according to your needs and budget. Homeowners' policies cover:
Dwelling coverage, which protects the physical structure of your home, including the walls, roof, and floors.
Other structures – which provides protection for structures on your property that are not attached to your home, such as a detached garage, tool shed, or fence.
Personal property – which covers the cost of repairing or replacing your personal belongings if they are damaged, destroyed, or stolen.
Loss of use – which covers the additional living expenses you may incur if you are unable to live in your home while it is being repaired or rebuilt after a covered loss.
Additionally, homeowners insurance can provide liability protection if someone is injured on your property or if you accidentally damage someone else's property. This type of coverage can help protect you financially if you are sued for damages.
Overall, homeowners insurance is an important way to protect your investment in your home and your personal belongings, as well as your financial well-being in the event of an unexpected loss or liability claim.
Get a homeowners insurance quote today
Homeowners insurance and financial standing
If you have a mortgage on your home, your lender will require you to carry homeowners insurance to protect their investment in your property. In many cases, the lender may also require you to set up an escrow account, which is a special account used to collect funds for your property taxes and homeowners insurance premiums. The funds are then disbursed by the lender to pay those bills when they are due. This can help ensure that you stay current on your insurance payments and that your coverage doesn't lapse, which could put you at risk financially if a loss were to occur. Your insurance agent can explain more about how escrow works and help you understand the details of your specific policy.
We make getting a homeowners insurance quote easy. You can click Start your quote above, call us at 1-347-494-1772 or email to info@monoshcorp.com to get started.
Standard homeowners insurance policies generally include six types of coverage:
What does homeowners insurance cover?
Dwelling
Other Structure
Personal Property
Loss Of Use
Personal Liability
Medical Payments
Covers damage to the home and attached structures, such as a porch.
Covers stand-alone structures on your property, such as a fence or shed.
Pays to repair or replace stolen or damaged belongings.
Helps pay temporary living expenses while your home is being repaired.
Pays if you injure someone or cause property damage unintentionally or through neglect.
Pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
