Homeowners Insurance

Posted Thu, 2010-01-21 21:25 by Emily
Protect Your Castle

 

Get a homeowners insurance quote or call 803-996-2910

Protect your house and personal property with the right home insurance coverage from Morgan & Associates.  You've worked hard for what you have. Ensure you have the insurance policy that meets your life and needs.
 

Home insurance protects you from damage and theft

Request a home insurance quote to get the coverage that's right for you.

Coverage options include:

  • Fire and lightning
  • Windstorm and hail
  • Weight of ice or snow
  • Smoke damage
  • Falling objects
  • Freezing damage
  • Theft
  • Vandalism
  • Accidental overflow from plumbing
  • Accidental electrical damage to appliances
  • Damage by vehicles

Protect yourself, your family and others with a home insurance policy

  • Personal liability for you, your spouse, relatives living with you and persons under 21 in your care
  • Protection against claims you're legally obligated to pay
  • Payment of the cost of defending claims against you
  • Medical expenses of others
  • Accidental death benefits

Start saving today with home owners insurance discounts for:

  • Monitored fire and burglar alarms
  • Local ultrasonic burglar alarms
  • Fire extinguishers
  • Deadbolt locks on all exterior entryways
  • Sprinkler systems
  • Condo insurance combined with auto insurance or other policies

Additional Options for Home Owners

Homeowners insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these additional home insurance coverage options to tailor a policy that’s right for you.

Scheduled personal property

Provides affordable homeowners insurance coverage for high value items such as jewelry, watches, antiques and fine art.

Replacement cost plus

Can pay up to an additional 20% of the home coverage limit if there is a total loss of your home – and additional money is needed to rebuild, which can be included in your home insurance rate

Extended replacement cost on contents

Pays to replace or repair personal property without depreciation being taken from the value of the property within your home insurance coverage.

Water backup of sewer

Broadens the home insurance coverage for loss due to water backup through sewers or drains.

Ordinance or law

Pays for increased expense to rebuild due to current building codes or ordinances.