Homeowners Insurance That’s Just Right For You
Homeowners Insurance protects you in more ways than you’d think. We’ll include many coverages that do more than protect your physical structure. Get a homeowners insurance quote & add the coverages you need and stay protected. See all our homeowners insurance coverages.
A Home Insurance Policy to Meet Your Needs
Finding the right coverage is important, but the Home Insurance Benefits included in your policy can also add a lot – at no extra cost. At Anchor Insurance Agency, Inc. these benefits include emergency repair services, 24/7 claims assistance, and convenient online policy management.
Saving Money on Your Policy
With Home Insurance Discounts from our select companies, you get better coverage at a price that fits your needs. We offer a range of special savings from special group discounts to discounts for various home safety devices. Save even more when you bundle your Home Insurance policy with another policy with our Multi-Policy Discount.
Keeping Your Home Safe
No matter whether you rent or own, your insurance policy can’t help you avoid accidents around the house, but the experts at Anchor Insurance Agency, Inc. can. Get safety tips and advice to help keep your home safe.
Homeowners Coverages
What is covered by home insurance
Standard home insurance coverage policies provide the following types of coverage & up to the limits outlined in the policies. Insurance coverage can help repair your home in the event of a covered damage due to:
- Fire and lightning
- Smoke damage
- Theft
- Windstorms and hail
- Freezing damage
Dwelling
Pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, & storage sheds.
Personal Property
Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
Liability
Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
Medical Payments
Covers medical bills for people hurt on your property. Medical Payments coverage pays for some injuries that may happen away from your home. For examples if your dog bites someone.
Important extras
We like to reward you just for being a customer. When you have homeowners insurance, our important extras will pay for:
- Additional living expenses when a covered loss makes your home uninhabitable
- Debris removal after a covered loss
- Repairs to protect your property from further damage after a covered loss
- Replacement trees, shrubs, plants or lawn destroyed from a covered loss
- Fire department service charges to save or protect your property after a covered loss
- Coverage for forgery and counterfeit money and for a covered unauthorized use of credit cards and fund transfer cards
- Coverage for a second home or rental unit
If you need to protect a non-primary residence like a seasonal home or a house that’s under construction, dwelling fire insurance may be right for you.
What is not covered by home insurance
A standard homeowners policy may not protect you from:
Flood, Earthquake, Nuclear Accident and War:
To protect against unforeseen and uncontrollable events like these, you can purchase hazard insurance through your home insurance policy.
Windstorm Damage:
In certain areas (mostly coastal) of some states, standard home insurance coverage does not cover damage caused by windstorms and hail. Check your policy information to see if windstorm damage is covered in your area.
Home Insurance Discounts
Some ways to manage the cost of homeowners insurance:
Insurance companies determine what you’ll pay for home insurance based on a number of factors. As a homeowner, some of these factors are not under your control. For instance, the cost of building materials, labor & extreme weather events. You can control some others. Read on to see what you can do to save money:
Multi-Policy Discount
You can save up to 15 percent on home insurance when you have more than one policy with Travelers − homeowners, auto, umbrella, boat, & personal articles floater.
Home Buyer Discount
Available to customers who have purchased their home within the prior 12 months to the policy effective date.
Loss-Free Discount
Offered to eligible customers who have not experienced a loss within a specified time period.
Green Home Discount
Save up to 5 percent if your home is certified ‘green’ by the Leadership Energy and Environmental Design (LEED) organization
Protective Device Discounts Provides a variety of ways to save by having devices like:
- Smoke detectors and alarms
- Interior sprinkler systems
- Home security systems such as deadbolts, alarms, & 24-hour security guard
- Smart or connected home technology which alerts the customer that a fire or burglar event is occurring
Gated community discount
Get a discount for living in a gated community.
Home renovation discount
You can get a premium credit when your house has updated plumbing, electrical, heating/cooling & roofing.
Advanced Home Protection
Safeguard your home with this three-coverage policy. Your home is your castle – you’ll want to protect it. With the new Advanced Home Protection endorsement package you’ll receive three important coverages, all in one bundle.
Dwelling Replacement Cost
Accidents happen – and it pays to be prepared. Dwelling Replacement Cost provides you with a guaranteed replacement cost limit for covered home claims. This allows you to rebuild your home similar to how it was before.
Equipment Breakdown
Fridge on the fritz? Air conditioner spewing hot air? Calling the handyman may cost a pretty penny. Allied can help. Equipment Breakdown helps you manage costs when expensive appliances such as furnaces, air conditioners & refrigerators need repair or replacement. Each time a covered appliance breaks down, you’ll pay a $500 deductible and Allied will cover the rest.
Mortgage Protection
More help for homeowners: Mortgage Protection offers customers protection from costs related to a covered constructive total loss. After a constructive total loss, if a customer needs a new mortgage, this coverage will protect against a higher interest rate. Customers will also get $1,500 toward closing costs & up to $300 per month for mortgage payments (for three years after the first mortgage payment on a new house) with no deductible.
Optional Coverage Available
- Back-up of sewer and sump pump
- Food spoilage from power outage
- Jewelry
- Boats
- Furs
- Personal computers
- Earthquake
- Golf and other sports equipment
- Personal umbrella liability
- Flood
- Identity theft expense
- Snowmobiles
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.