Getting homeowners insurance can seem daunting. There are many insurance options with different coverages available, and you might be wondering which policy is best for you and your household.
Don’t worry. The more you understand homeowners insurance, the easier the decision will be.
Homeowners insurance provides financial protection to your home in the case of certain perils. This can include damages from hail, winds, lightning and more.
Standard homeowners insurance financially covers up to 16 perils. A few of these perils are lighting strikes, fire, high winds and burglary.
For example, your home may be damaged by strong winds due to a storm. Your policy would offer coverage after your deductible to repair damages to your home from the storm.
Having homeowners insurance is essential, but may be a necessity depending on where you live. Some areas are prone to tropical storms. Others have yearly wildfires. Having homeowners insurance secures your home in the chance it’s damaged by these perils.
Some perils such as flooding are not covered by standard insurance policies. You may need to purchase additional coverage if you live in areas prone to perils typically not covered.
On top of having homeowners insurance, there are many additional ways to financially protect your home from perils:
You work hard for your property. Keeping your assets safe is crucial. By protecting your space with homeowners insurance, taking time to examine your home's needs and investing in home protection products, you help to secure your space before peril can strike.
Kimberly Kelly decided to get her real estate license when she moved to South Orange with her family and fell in love with the classic, period homes of the area. Having worked in the city for many years for LexisNexis, Kim understands the appeal of an easy commute to NYC. That’s why she specializes in towns along the Mid-Town Direct train line, offering welcoming communities, good schools, and space to grow.
Very active in her children’s school PTA, Kim knows firsthand how important a school system is to parents looking to make the move to the ‘burbs. She volunteers with fairs, fundraising, and other activities that bolster support for education. Kim also believes involvement in the greater community enriches us all and has sat on various boards & associations throughout the years.
Kim Kelly has lived many places throughout her life, from Pennsylvania to Oregon, but has found New Jersey to be the ideal place to raise her family and put down roots. She loves nothing more than helping others discover their special place as well. Kim’s extensive knowledge of the area, combined with her sense of community, offers clients a personalized guide to finding the right house - and town - to call home.
