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Homeowners Insurance

It’s a risky world but we’ve got you covered.

We know the unexpected and accidents happen and that’s why it is important to understand your coverage. At Frost & Remer you can rely on our knowledge and expertise to help you select the level of protection that’s right for you.


Homeowners Insurance protects you and your home, condo, manufactured home or dwelling under construction from theft, fire, lightening, vandalism, exposision, falling objects, sudden and accidental water damage and weight of snow, ice or sleet. We make sure you have adequate coverage for your home and belongings. 

Ask about Identity Fraud Coverage, and an Umbrella Policy. 

Contact Frost & Remer today to schedule an appointment for your full risk assessment.

What does a homeowners insurance policy cover?

If something unfortunate happens to your home or at your home, homeowners insurance helps to protect your finances, your personal belongings, the cost of alternative living arrangements, and legal expenses if needed.

Main areas of coverage for your home


Beyond the standard coverage, there are add-ons including coverage for:

Is it required?

Homeowners insurance is not required by law. However, if you have a mortgage or are trying to get a mortgage, your lender will likely require you to have homeowners insurance on the property to protect the financial investment they’re making by lending you financing.

Whether you owe on a mortgage or fully own your home, just like a lender, you may want homeowners insurance to protect your investment and to make sure you’re prepared in the unfortunate event that damage is done to your home.

What determines the cost of a homeowners insurance policy?

Your home, finances, and coverage

Safety and security features of your home

Having or adding these safety and security features to your home can help lower your insurance premium when you inform the insurance company that you have:

How much of each insurance component do you need?

When assessing how much coverage to purchase for your home, many of the components will be based on the coverage amount you decide for your Dwelling or Home Structure coverage. This should equal the house’s full replacement cost – what it would cost for a full rebuild, rather than the home’s purchase price or market value.

From there the following limits are typically set for each of the following coverage areas, based on your Dwelling coverage:

Liability coverage should cover all of your financial assets, including your home and other investments, such as automobiles or retirement accounts. If you are sued because of an injury to another person or their property, this will protect these assets. The highest standard coverage is $500,000 but if you want more coverage, you can add an umbrella policy.

For coverage for medical payments to others, policies typically offer between $1,000 to $5,000 in coverage.

What does it mean to make a claim?

If an event happens at your home that is covered by your homeowners insurance, you will want to file a claim so that your insurance company will reimburse you for the cost of the damages or loss.

Before filing a claim, review your policy to make sure the damage or loss is covered and to understand if you need to pay a deductible before receiving reimbursement.

When you file a claim, you’ll need to share as much information about the damaged or stolen property as possible so that the insurance company can move forward with processing your claim and determining your reimbursement amount.

Ask questions throughout the process to make sure you clearly understand what your coverage provides and what your options are for moving forward from the event.

Next steps?

Contact us to discuss bundles and discounts available for your homeowners insurance policy, as well as your coverage needs.

Schedule an appointment for your full policy review and risk assessment from Frost & Remer. We will make recommendations to ensure that you have the best coverage possible, with a premium you can afford.

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