The Right Policy for Your Home

A homeowner’s insurance policy is very helpful when something disastrous happens to your home. It helps to repair, replace, or rebuild it as it was before. Your insurance policy must be unique. You must look beyond the premium.

You must make sure that you are properly protecting your investment. Our team can help you understand which homeowner’s policy is most suitable to protect your home and your personal property.

A comprehensive homeowner’s policy can protect your house from a wide variety of problems. From fire to theft to weather-related damages, you need an insurance policy that will cover anything that could possibly happen to your house. That’s where The Michael Davis Insurance Agency comes in.

Our locally owned agency offers a wide range of homeowner’s insurance policies that can be tailored to your specific house and its’ needs.

Homeowner’s Insurance Coverage Includes

• Home
  The cost to replace or repair your dwelling will be covered.
• Personal Property and Possessions
  You can insure your personal property both on and away from your premises. Personal property includes jewelry, furniture, clothing, sports equipment, pictures, artwork, and many other items.
• Other Structures
  Additional property structures such as barns, garages, sheds, pools, etc. can be insured.
• Additional Living Expenses
  Living expenses that are reasonable and necessary to maintain your normal standard of living will be provided when your home is being repaired.
• Personal Liability
  You could be found legally responsible for accidental injuries to yourself or others on your premises, including property damage to others or bodily injury caused by pets. The right homeowner’s insurance will provide coverage for judgment and defense.
• Flood and Earthquake
  If you live in a low-lying area, flood insurance might be a good idea. The right policy can cover the damaged caused by a natural disaster.

Protection From a Variety of Damages

• Fire
• Smoke
• Storms
• Theft
• Vandalism
• Wind