Your house is one of the biggest investments and holds those things you have worked hard to acquire. Ensign and Associates provides a thorough evaluation of your homeowners insurance policy to make sure it will truly protect your financial security.
Ensign and Associates represents multiple top rated insurance companies and can match your situations with the right coverage at the right price.
Most home insurance policies provide four basic types of coverage.
Living Expenses (in case a fire or other insured disaster makes it so you are temporarily unable to live in your home).
Home Insurance Cost Savings
Ensign and Associates can help you qualify for a multi-policy discount when you combine your home and car insurance with the same insurance company. We can also identify other discounts for you and evaluate which insurance company will give you the most value for the price on your home insurance policy.
The Right Amount for Your Needs
Homeowners insurance is often miscalculated becuase of too many assumptions. We can help you protect your investment by determining the amount of insurance you need to cover the following:
The Structure of Your Home
You need enough home insurance to cover the cost of rebuilding your home at current construction costs. This does not include the cost of the land, and you should not base your rebuilding costs on the actual price you paid for your home. Your Leavitt Group insurance agent can help you estimate the amount of home insurance you need based on current construction costs using estimation tools and calculators. An accurate estimate will help ensure your home insurance policy includes the proper coverage.
Your Personal Possessions
To determine if you have enough coverage for your personal possessions, you should conduct a home inventory. This is a detailed list of everything you own and information related to the cost to replace these items if they were stolen or destroyed by a disaster, such as a fire. For free online home inventory software, visit
Additional Living Expenses
This coverage is for the cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs. This is a very important feature of a standard homeowners insurance policy. This pays the additional costs of temporarily living away from your home if you can’t live in it due to a fire, severe storm, or other insured disaster. It covers hotel bills, restaurant meals, and other living expenses incurred while your home is being rebuilt.
Liability to others
This part of your home insurance policy covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for injuries to others caused by pets. This coverage will pay for both legal defense costs and any damages a court rules you must pay.
Service Line Coverage
covering the lines under the house up to the sidewalk. Equipment breakdown, covers A/C, appliances, breaker box, and other electronic devices for other than normal wear and tear.
Scheduled Personal Property
Cover jewelry, Art work, to schedule on home for the full value, and no deductible.