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Homeowner Insurance

from Hometown Insurance Agency of Utah

Homeowner Insurance

For most people, their home is their greatest financial asset. Their belongings are also valuable, such as furniture, electronics, and clothing, often totaling tens of thousands of dollars in value. As a homeowner, are you protected if something happened to your property?

Homeowner insurance in Cache Valley lets you replace your home and its contents if they are lost or damaged through theft, fire, and many other situations. Most people aren’t in a financial position to recoup the loss of these valuables so having homeowner insurance coverage makes good sense. It's also mandatory if you have a mortgage.

Homeowner insurance may also protect you in other circumstances:

  • If someone has an accident while on your property and wins a legal judgment against you
  • If your home suffers hail damage or your property is struck by falling objects
  • If vandals damage or ruin your home or belongings
  • If your property is damaged by smoke

Have you ever thought about where you would live if you had to vacate your home due to damage that rendered it uninhabitable, such as after a fire or burst pipe? Your homeowner insurance may pay for the cost of living outside your home, sometimes up to two years, until you can return to your home.

Reach out online or give Hometown Insurance Agency of Utah a call today at 435-754-7701 to see how a homeowner policy can give you the protection you need for your home and belongings. We’ll ask about the value of your property, as well as about situations like pet ownership. You may want to take out additional coverage with an umbrella policy to protect you in the event your dog bites someone, for example.

We will also inquire about extra items that may need special insurance coverage, such as:

  • Art
  • Antiques
  • Collectibles
  • Jewelry

To be sure you cover everything that’s valuable to you, we recommend making a list of your belongings, room by room. You can also take photos or make a video of your home so you have a record of everything you want to insure. We want to make sure you have the best policy possible in the event of an emergency that necessitates making a claim.

Our independent agents will put together a policy that meets your unique needs. You can select a deductible you’re comfortable with, which is the amount you pay prior to your homeowner insurance policy kicking in. Did you know that you can often lower your insurance premiums by choosing a slightly higher deductible?

Contact us today. We serve many homeowners in the Logan and Cache Valley region. We want you to enjoy your home knowing it’s protected in the event of any unplanned loss or damage. Don’t wait until you have a problem to find out a simple homeowner insurance policy would have had you covered.