Homeowners Insurance
Homeowners Insurance with The Hood Insurance Agency
Your home is a major investment, but more than that, it is also where you will raise your family, entertain your friends, and create lifelong memories. At The Hood Insurance Agency, we recognize this, and that is why we work hand in hand with you to protect it with a homeowners insurance policy that protects this dream investment. So whether you have found the perfect starter home, recently completed your custom dream home, or have something in between, let us help you protect the life you have made in your home.
How Homeowners Insurance with The Hood Insurance Agency can help:
There's a fire in your kitchen
Risk:
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
Coverage:
Property coverage in your policy can help if your house is damaged by fire and/or smoke
Thieves strike while you are away
Risk:
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
Coverage:
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.
A visitor is injured
Risk:
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn — fracturing his wrist when he falls against a stone retaining wall.
Coverage:
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
A tornado hits
Risk:
You heard the warning sirens and escaped uninjured, but you can’t live in your house while tornado damage is repaired.
Coverage:
Coverage for additional living expenses can help with the extra cost of temporary relocation caused by a covered event.
Workers' Compensation
In a best-case scenario, you’re able to manage an injury so employees can get back to work as quickly as possible. A workers’ compensation policy can address medical care and lost income for your employees, death benefits for survivors, and your potential liability for covered claims. At the Hood Insurance Agency, we work with you to reduce costs and improve recovery times – by making quick contact with an injured employee and using excellent medical providers for a specific injury or illness.
Your jewelry is stolen
Risk:
You mastered the basics of surfing during lessons in Hawaii — but your wedding ring is stolen.
Coverage:
With personal possessions coverage, lost jewelry is covered up to your policy limits.
You lose your passport
Risk:
While on vacation in Europe, you lose the tote bag that has everyone’s passports.
Coverage:
Your homeowners policy can help with the cost of replacing passports and other valuable papers.
Why Partner with Us?
Without the assistance of an independent agent, it can be difficult, if not impossible, to distinguish between two homeowners’ insurance policies.
Whether you own or rent, insuring your residence can help protect you financially in the event of a loss caused by fire, theft, vandalism, or other covered events. Additionally, it will protect you if someone is injured on your property and obtains a legal judgment against you.
Homeowners’ insurance policies vary in terms of the types of losses covered, the coverages selected, and the type of residence owned. You decide whether to purchase a comprehensive policy that covers losses caused by fire, hail, smoke, falling objects, vandalism, and theft of personal property, or a policy that covers only specified losses.
At The Hood Insurance Agency, we work with you to find the perfect insurance product for your home. We start by analyzing your insurance needs and consulting with our team of providers to create the best possible portfolio for you and your needs. In doing so, we help you save money, and find peace of mind.
Every home is unique, and therefore requires a carefully crafted policy.
If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!