What is homeowners insurance?
Homeowners insurance can protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, medical bills, legal fees and more. A homeowners policy is recommended for anyone who owns a home or condo, and may even be required by your mortgage lender. In certain areas, you may need separate policies or coverage to help protect your home and personal belongings against damage due to floods, earthquakes, windstorms or hail.
What does a typical homeowners insurance policy cover?
A LemonBrew insurance representative can help you determine the homeowners coverage that best fits your needs and budget, but a typical policy can cover:
- The structure of your home
- Other structures on your property (e.g. garage, shed)
- Your personal belongings
- Additional living expenses if you cannot live in your home due to a covered loss or repairs
- Your personal liability or legal fees
- Valuable items (extra coverage can usually be added)
Why should I use LemonBrew Insurance?
LemonBrew Insurance is a full service independent insurance agency licensed and experienced in multiple states. We provide a one-stop shop for all of your personal, business, and life insurance needs by offering you more options. We have access to multiple top rated national insurance carriers which means lower rates and better coverage options to better suit you and your families insurance needs.
Do I have to pay fees to have LemonBrew shop my insurance for me?
Absolutely not! We do not charge any fees to our clients for reviewing and shopping your insurance. We contract directly with the insurance carriers that we represent and do not pass on any fees to our clients for quotes or policies.
What discounts are available to me?
Discounts, yes please! Remember to ask your LemonBrew insurance representative about discounts for multiple policies, security systems or fire protective devices, certain smart home technologies, claims free history, and more. Discounts vary by state and eligibility.
How is homeowners insurance paid?
You can always pay the insurance company directly for your homeowners policy, but you have other options. It is very common to have your mortgage company escrow your homeowners insurance, which allows you to pay your homeowners insurance payment along with your mortgage payment each month.
What are some factors that affect homeowners insurance premiums?
If you’re shopping for homeowners insurance, you’re probably wondering how the insurance company determines your rate. Home insurance premiums are personalized for every homeowner. Some factors that impact your rates include the state where you live, your claims history, policy coverage amount, age and condition of your home and discounts that are available to you.