Homeowners Insurance
Your home is not just a building—it's where your life happens. Whether it's damage from a storm or an unexpected disaster, we're here to ensure that your claims are handled with care and precision by an insurance provider who values your home as much as you do.
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*Note: If you're looking for coverage for rental properties or vacation homes, traditional homeowners insurance won't apply. We also offer specialized policies for unique needs, ensuring you get the right coverage.
Why Homeowners Insurance Matters
Homeownership comes with many rewards—and risks. No two homeowners insurance policies are alike, which is why it's crucial to choose one that is built specifically for your home and lifestyle. We work with top insurers to offer plans that fit your exact situation, ensuring your most important asset is protected.
Key Homeowners Insurance Coverages
These are some common coverages you typically see on a policy:
Dwelling
This coverage protects the structure of your home, ensuring that rebuilding costs are accounted for. Whether it’s damage from natural disasters or accidents, dwelling coverage provides financial security for your home’s physical structure.
Personal Liability
This applies when someone is injured on your property, or if you accidentally cause damage to someone else's property. You’re covered for legal expenses and potential compensation, no matter where you are.
Other Structures
Detached garages, fences, sheds, and other external structures are protected under this coverage. Anything separate from the main building is taken care of in case of damage.
Personal Property
Your belongings, from electronics to clothing and furniture, are safeguarded. Personal property coverage ensures you can replace your essentials if they’re lost or damaged.
Loss of Use
If a covered event forces you to temporarily leave your home, loss of use coverage ensures your living expenses—like hotel stays and meals—are covered while your home is being repaired.
Ready for Your Personalized Homeowners Insurance Quote?
Getting started with Clark Insurance Brokers is simple. Here’s what we’ll need to know to provide you with a quote
Who lives in your home? Let us know the occupants, and if you use the space for any business purposes.
What’s the history of your home? Provide details on its construction, including when the roof or other major systems were last updated.
Will there be co-owners? Whether it’s you and your spouse or another party, let us know all the relevant homeowners.
Do you currently have insurance? We’ll want to know about your current policy and how long you’ve been covered.
Every home is different, and so are the policies that protect them. If your property has unique features or if you’re insuring a high-value home, we’ll connect you with carriers that specialize in those needs. We also offer policy reviews to make sure you’re getting the most out of your current plan. No matter your situation, we make the process fast, easy, and stress-free.
