Homeowners Insurance: Protect Your Home & Everything in It
Your home is more than just a place to live—it’s one of your biggest investments. At ASR Insurance Legacy, we offer comprehensive homeowners insurance to protect your property, belongings, and financial well-being against unexpected events. Whether you’re a first-time homeowner or have lived in your home for years, our policies provide the coverage you need for peace of mind.
Why Homeowners Insurance is Essential
Owning a home comes with risks—fires, storms, theft, and accidents can happen at any time. Homeowners insurance ensures that you’re financially protected from costly repairs, legal claims, and loss of personal belongings. Here’s why having a solid policy is crucial:
✅ Property Protection – Covers your home’s structure against damages caused by fire, wind, hail, and more.
✅ Personal Belongings Coverage – Protects furniture, electronics, clothing, and valuables from theft or damage.
✅ Liability Coverage – Shields you from financial loss if someone is injured on your property.
✅ Additional Living Expenses – Pays for temporary housing if your home becomes uninhabitable due to a covered event.
What Does Homeowners Insurance Cover?
Our customized policies provide coverage for a wide range of risks, ensuring your home and finances stay protected.
1. Dwelling Coverage
Protects your home’s structure—including the roof, walls, foundation, and built-in appliances—against disasters like fire, windstorms, and vandalism.
2. Personal Property Coverage
Covers personal items such as furniture, electronics, jewelry, and more if they’re damaged or stolen.
3. Liability Protection
If a guest is injured on your property, liability coverage helps cover medical bills and legal fees if you’re found responsible.
4. Additional Living Expenses (ALE)
If your home becomes unlivable due to a covered loss, ALE helps pay for hotel stays, meals, and other living expenses while repairs are completed.
5. Other Structures Coverage
Covers detached structures like garages, sheds, and fences from damages.
Optional Add-Ons for Extra Protection
🔹 Flood Insurance – Standard policies don’t cover flooding—get additional protection for peace of mind.
🔹 Earthquake Insurance – Essential for homeowners in high-risk areas prone to seismic activity.
🔹 High-Value Items Coverage – Extra coverage for expensive jewelry, art, and collectibles.
🔹 Home Business Coverage – Protects business equipment and liability if you run a business from home.
Who Needs Homeowners Insurance?
First-time homebuyers – Secure your investment and meet mortgage lender requirements.
Existing homeowners – Ensure you have adequate coverage for your current needs.
Vacation homeowners – Protect seasonal or secondary properties from potential risks.
Rental property owners – Get landlord insurance to safeguard your rental investment.
How Much Homeowners Insurance Do You Need?
Every home is different, and the right coverage amount depends on:
📌 The value of your home – Ensure coverage is enough to fully rebuild your home if needed.
📌 The value of your belongings – Conduct a home inventory to determine coverage needs for furniture, electronics, and valuables.
📌 Your location’s risk factors – Consider risks like flooding, hurricanes, or earthquakes when choosing add-ons.
📌 Your liability risk – Protect yourself financially if an accident happens on your property.
Our experts can assess your needs and customize a policy that offers complete protection at the best rate.
Get a Homeowners Insurance Quote Today!
Don’t leave your home and belongings unprotected. Let ASR Insurance Legacy help you find the right homeowners insurance policy at a competitive price.