Homeowners Insurance Quote Forms
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Homeowners Insurance Information
The Mike Dyer Agency is committed to helping every client get quality insurance benefits that will protect them in all parts of their lives. If you are a homeowner or are embarking on the journey of buying your first home, then you must adequately insure the property with a customized home insurance plan to fit your precise needs.
Choose us as your local homeowners insurance agency, and you’ll get access to a network of top-rated policies. We’re here to help you sift through the myriad of policy options on the market to find you the perfect coverage solutions.
Call us at 865-966-2111 or request your free quote now.
What Is Home Insurance?
Your home represents one of the most important and expensive investments you will ever make. That value alone is worth protecting, and homeowners insurance will help you do so.
You never know when a hazardous event—a house fire, break-in, severe storm—might occur in your home, cause damage and put you in a very tricky situation. However, you will want to make the necessary repairs to your property without a huge financial strain. Homeowners insurance will pay your recovery costs on your behalf. That way, you can rest assured that you will be able to move on from life’s challenges without costing yourself an arm and a leg.
Homeowners insurance is a package policy that provides property and liability protections. Learn more below.
What Does Homeowners Liability Coverage Cover?
Your homeowners insurance policy includes both property and liability protections. Property protection helps cover the cost of repairing or replacing your personal property and your home’s structure.
The liability portion of your homeowners insurance policy can help cover lawsuits for bodily injury or property damage that you or your family members may cause and any medical expenses incurred by guests injured at your home. It may pay for the cost of litigation and any court awards up to your policy limit.
- Personal liability—If you’re sued due to a covered incident, your homeowners insurance coverage may pay your legal costs and possibly the damages for which you’ve been found responsible, up to your coverage limits.
- Medical expense coverage—If someone is injured on your property, your homeowners insurance may help pay their medical bills, even if they have health insurance. This insurance is no-fault coverage, so the injured person may submit their medical bills to your insurer without filing a claim against you.
How Much Personal Liability Coverage Should I Have on My Home?
Determining the appropriate amounts of liability coverage you should have under your homeowners insurance is a complicated process. Work with The Mike Dyer Agency to evaluate how much personal liability coverage you need.
You may also want to add umbrella insurance, which provides additional liability coverage if you’ve exceeded your homeowners policy limits. We can help you get the liability protection you need to protect yourself, your home and your family.
How Much Home Insurance Do I Have To Buy?
Most mortgage lenders require homebuyers to purchase homeowners insurance before they approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.
Regardless of any coverage requirement, however, you should always carry this benefit as part of your comprehensive personal insurance package.
What Does Home Insurance Cost?
Multiple factors could influence the cost of your home insurance, including:
- The value of the home
- The home’s location
- Your credit score
- Security features in the home
- Your chosen policy and coverage limits
Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work with you to determine the best ways to get your home the coverage it deserves at the price you can afford.
Ensure Your Financial Security
The Mike Dyer Agency is committed to helping you obtain the home insurance you need to protect your financial livelihood. Call us at 865-966-2111 to get started on home insurance needs.