Homeowners Insurance
Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Home Insurance in Charlotte, Fort Mill, Clover, and York SC
Insurance for Homeowners Throughout South Carolina
Keeping your home safe in case of disaster is one of the most important responsibilities as a homeowner. Part of keeping it safe is having the right home insurance policy to protect yourself and your family in case of an accident.
John Lovsin Agency helps homeowners throughout South Carolina find home insurance policies perfect for their insurance needs and budget. Our dedicated agents provide quality service and one-on-one consultations about what home insurance is right for you and your family.
What Does Home Insurance Cover?
Home insurance policies are designed to protect your family and your home against a variety of dangers. Most home insurance policies may include coverage such as:
- Dwelling Coverage: Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, vandalism and more.
- Personal Belongings Coverage: Personal belongings coverage provides compensation for loss of or damage to your personal items caused by fire, smoke, theft, vandalism and more.
- Liability: Liability insurance covers bodily injury and property damage someone else may suffer on your home’s property. If a visitor is injured, for example, liability insurance can cover the victim’s medical bills and protect you from a lawsuit. This insurance can even extend to damage and injuries caused by your pets.
- Additional Living Expenses: Additional living expenses (ALE) cover costs related to temporarily moving in case the home is rendered uninhabitable by a disaster.
When is Home Insurance Required?
Contrary to popular belief, home insurance is not generally required by state or federal law. This doesn’t mean that you shouldn’t carry it, however. Many lenders require homeowners to carry enough home insurance to cover their mortgage.
Even without a requirement, home insurance is crucial for protecting you and your family from heavy financial loss due to an accident or natural disaster.
Insure with John Lovsin Agency Today
John Lovsin Agency will work with you to find and tailor a home insurance policy to suit your needs. Connect with a dedicated insurance agent today or fill out an online quote form to get started.
Common Home Insurance Questions
How Much Home Insurance Do I Need?
The amount of home insurance you need differs depending on various factors, including the value of your home and the belongings you wish to insure. In general, it is recommended that you carry enough insurance to cover the total replacement cost value of your home. Speak with an agent at John Lovsin Agency about your home insurance needs today.
How Much Does Home Insurance Cost?
Home insurance premiums depend on your location, credit score, claims history, coverage limits and more. Fill out an online quote form to find out how much you can save on home insurance.
How Do Home Insurance Claims Work?
When you file a home insurance claim, a claims adjuster from the insurer will calculate how much compensation you will receive based on the damages and your policy. After a claim is approved, you may receive compensation for the damages.
How Often is Home Insurance Paid?
Most home insurance policies are paid each month. Some policies may be aid annually, however.
If you have any questions about business insurance or are looking to get insured today, give us a call!
Fort Mill Office: (803) 396-7878
Clover Office: (803) 222-9710
York Office: (803) 684-2096
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