Your home is more than four walls and a roof over your head—it’s a significant investment that requires the right protection.
Most mortgage lenders require you to insure your home. Even if you don’t have a mortgage, homeowners insurance in Red Bank NJ is a sound investment that can help you repair your home and yard, replace your belongings, and cover personal liability.
But just as no two homes are exactly alike, there is no one-size-fits-all solution for homeowners insurance. That’s why Blue Lion Insurance Advisors, LLC will work with you to find the right insurance coverage at the right price.
Second/Vacation Home Insurance
Your vacation home is as place you go spend quality time with family and friends and to relax. It’s place where long lasting memories are made. With a vacation home insurance from Blue Lion Insurance Advisors, you can rest easy knowing we’ve got those memories protected.
What does homeowners insurance cover?
Blue Lion’s Homeowners Insurance Advisors can help you find an insurance plan that covers:
- Structural damage to your home
- Your belongings, including jewelry, art, antiques or collectibles
- Medical payments and personal liability coverage for others if they are injured on your property
- Additional living expenses if you can’t live in your home because of a covered loss
The cost to rebuild your home is known as its replacement value. This can differ from the estimated market value or actual purchase price in Red Bank NJ. Your home’s replacement value comes from local construction costs. If your current policy is based on real estate market value and not replacement value, you may need more or less homeowner’s insurance coverage than you think.
For instance, not all homeowners insurance plans in Red Bank NJ can cover damage caused by a burst pipe, and no policy will cover damage resulting from an earthquake. That’s why you need to assess your policy before a problem occurs.
Review Your Home Insurance Policy
When reviewing your policy, remember the insurance requirements in another area or state may be different than where your primary home is located.
You might need flood insurance or additional coverage against wind, hurricanes or earthquakes. There may also be special deductible requirements for wind damage, hail damage, hurricane damage or flood damage.
Get a free homeowners insurance check-up!
Your Blue Lion Homeowner’s Insurance advisor will perform a free insurance check-up to determine what your current policy does and does not cover.
The next step is easy!
Call us today at (732) 649-1600 to learn how our business insurance advisors could get you the right Insurance coverage at the right price, and superior service. You can also Request A FREE Insurance Quote on our site or Contact an advisor for more information.