Home Owners Insurance
For many of us our home is our most valuable possession. The time to think about the unthinkable
disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you
repair or rebuild your home and replace damaged possessions.
The main purpose of insurance is to protect you against losses you cannot afford. Few people have the
financial resources to rebuild their homes. In addition to protecting your home and possessions,
Aurora homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.
A Aurora homeowners insurance policy consists of coverage for your dwelling and your personal property. It
also includes liability insurance which pays for injuries to other people or damages to their property
accidentally caused by you, your family or your pets. You also can buy several types of additional
insurance for property that is not listed in your homeowners policy or for perils not covered — such as
flood — for which you need a separate policy. You do this by either buying a separate policy or by
adding an endorsement or rider to your policy.
Tips for Keeping Your Rates Low
There are some simple steps you can take to reduce your homeowner’s premiums.
- Raise Your Deductible – A deductible is the amount you pay before the insurance starts to pay
for your loss. - Since the purpose of insurance is to pay for the losses you cannot afford, raise
your deductible to a limit that you could handle in case of a loss. - New Home – If your home is less than 10 years old, you may be eligible for a new home
discount. - Make Your Home Safer – You may be eligible for a discount if you have a burglar and fire
alarms systems and/or sprinkler systems. Monitored systems will earn a bigger discount than
unmonitored systems. - Construction Material – When you buy a home, look for fire-resistant construction, such as
brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those
made of concrete tile, while wood roofs may bring a surcharge. - Check the location of the nearest fire department, and avoid buying in flood prone areas.
- Non-Smoker Discounts
Manufactured Home Insurance
Aurora Manufactured home insurance provides coverage for your mobile home, garage or shed, and your personal belongings. It may also provide financial protection in case you unintentionally injure someone or damage their property. Having the right insurance helps you protect one of your most valuable assets – your home.
Fire. Theft. Windstorms. These are risks you face every day as a mobile home owner. You are also at risk in case someone gets hurt while at your home, or you accidentally damage someone else’s property. Mobile home insurance offers peace of mind in knowing that your finances won’t suffer if unexpected events like these happen.
Do you have a mortgage on your mobile home? The financial institution that holds your mortgage may require you to have mobile home insurance. Similar to conventional home insurance, mobile home insurance protects you in four basic ways:
- Enables you to repair/replace or get actual cash value for your mobile home usually depending on age.
- Allows you to replace your personal belongings if they are destroyed, stolen or damaged
- Covers injuries that happen to other people or their property while in your home.
- Covers your additional living expenses if you’re forced to leave your home because of a claim.
Before purchasing mobile home insurance, consider the following questions:
- What would it cost to replace your mobile home?
- What would it cost to replace the contents of your mobile home?
- Do you have an inventory and photographs of your personal possessions?
- What kind of protection do you have against liability claims?
- Do you have items that should be insured with special coverage such as jewelry, cameras, collectibles etc.
- Does your mobile home have a fire extinguisher, deadbolt locks or other money-saving safety features?
Start Your Quote Now!
Why submit a form online? It lets us know you’re serious about getting a Aurora Home Insurance today. More importantly it helps us ensure the greatest efficiency and accuracy in working with each new account. We NEVER share your information with a 3rd party and during normal business hours you can expect a call back in 30 minutes or less from an agent with specific knowledge for your needs and your location.
