HOMEOWNERS INSURANCE

There’s a lot to know about Property Insurance. From learning how it can help protect you and your assets… to choosing the right insurance company… to deciding what coverage options are right for you.

Explore answers to those questions and more with your qualified Patron Insurance agent. You can even learn how you might be able to save some money along the way with our special property discounts.

Let Patron Insurance Services help you learn about choosing the right policy to help protect you and your assets. Our trained agents know what types of coverage there are for you and can help you save money along the way.

Earthquake Coverage

Many may believe that earthquakes only shake the grounds out West, but major fault lines do exist in the Midwest and Eastern United States. Protect yourself and your family by purchasing an endorsement available under your homeowner’s policy. Contact Patron Insurance Services for further information.

Home Insurance: Why do I need this insurance?
It's where you live and where your possessions are. Chances are, it's your greatest asset. But more than possessions and assets, it's your home…  and you need to protect it.

Property Insurance helps provide peace of mind when:
Bad things happen. Simply put, insurance provides a safety net for you and your family when certain unfortunate events happen like theft, fire, burglary and vandalism…You need liability and medical payment protection too. For example, if your neighbor slips and falls in your kitchen, you might need this coverage to help pay for medical expenses.

You need to replace, repair or rebuild. If your home were destroyed by fire today, you'd need the financial resources to replace or repair it.

Your lender requires it. When you buy your house, you'll probably need to provide your policy "in hand" at your closing. If you're building a new home, you may need to have special coverage while your new home is being built.

You have special items. Protect more than your home; protect special items such as jewelry, silverware, business property and more with extended coverage options.

Protect your assets, possessions, home and your family with insurance. Call any office or contact us online to better understand what coverages are right for you and what discounts and savings may be available.

Home Insurance: What should I consider?
Depending on where you live: a house, condominium, mobile home or an apartment, you'll probably have different insurance needs. Your situation is unique and your insurance should reflect what's right for you.

Identity Recovery Coverage
In the time it takes for you to brew your morning cup of coffee, a thief could steal your identity. That means months of frustration, hours on the phone talking to creditors and lawyers, and hundreds - if not thousands - of dollars to restore your good name. Identity Recovery Coverage is designed to help you restore your credit in the event of identity theft or fraud.

What are my Home Insurance coverage options?
Whether you rent or own your home, you've got a wide range of property insurance products and coverages to choose from.

First, understand which coverage elements are common among all property insurance policies:

• Your home and any attached structures. (Replacement Cost Settlement)
  
• Other structures at your premises that are separate from the dwelling. (Replacement Cost Settlement)
• Personal property wherever it may be. (Replacement Cost Settlement)
• Loss of use, which covers the additional living expenses you incur due to temporary relocation.
• Personal liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
• Medical payments to other who are injured in an accident arising from your premises or personal activities.

Second, consider which policy is right for your living situation:

• House
  
• Condominium
  
• Mobile Home
  
• Renter

Third, personalize your policy with additional coverages such as:

• Replacement Cost coverage for many of your contents (subject to applicable underlying policy coverage limits).
  
• Scheduled Personal Property coverage with increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts and more.
  
• Increased building code coverage. For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.
  

And many more! See your Patron Insurance agent for more information on the Optional Coverages available in your state.

Finally, since most Homeowners, Condominium, Mobile home or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy.

Call or contact us on-line and let us help you design an all-encompassing plan for your homeowner insurance needs.