Homeowner Insurance Policies

Insurance That Covers More Than a Home’s Structure

Roderick Crabbe Insurance Inc is ready, willing, and able to help you with your homeowner insurance needs. We’ll make sure you have enough to cover your losses in case of a claim.

Just as its name implies, a homeowner insurance policy protects your house and its occupants in case of damage or physical injury due to vandalism, explosions, wind, hail, fire, falling objects, etc. An insurance policy covers all or specified perils. Specified perils insure your home against the common risks indicated in your policy. All perils cover all risks except the ones excluded from the policy.

The policy is for the structure itself, the homeowner, anyone else injured while in your home, and your personal belongings in the house. Some policies include personal property, the dwelling or structure, detached garages and storage sheds, personal liability, additional living expenses, medical payments, inflation protection, valuables such as jewelry or art, the home protector, and any additional covers for anyone who requires additional benefits or expanded coverage.

Call to sign up for a homeowner policy today.

Premium Payments and Discounts

What you pay in premiums is influenced by a number of factors:

• Location of the home
• The deductible you choose 
• The value of the house
• The level of risks it carries
• Potential replacement costs

Installing features such as deadbolt locks, security systems, and fire alarms may lower your premiums. Other ways to lower premiums include discounts such as a multi-policy discount, safe homeowner program, early shopper discounts, claims-free discount, and newly purchased or removed home discounts.

Benefits of Purchasing Insurance From Our Agency