Home Owners Insurance

Home is where the heart is, and for many of us, a home is the biggest purchase we’ll ever make. It’s where we raise our families, entertain guests and build memories. It is important to protect you and your home from accidents that may occur.

Just like you, many of us at Twin Creek Insurance are proud homeowners. Our homes are where we find refuge and comfort after a hard day’s work. We’re committed to helping you understand and decide where and how best to insure your home. We’ll talk with you to get a firm grasp on the exposures you face, and then work to make sure you don’t have any coverage gaps that could cost you money down the road.

As a local, independent insurance agency, we have direct access to multiple carriers. We can quickly compare rates and coverages and get you the best possible homeowners insurance for your specific home. We’ve found that some insurance companies are best-suited for older or historic-preservation homes. Others have a sweet spot for country homes and old farm homes.

Years of experience have taught us the value of shopping around for the best coverage for each home. Here’s what you should expect from a basic homeowners insurance policy:

Coverage for your building and outbuildings, including garages, sheds, barns and cabanas.

Coverage for personal property at a percentage of your building limit. There are certain limitations, such as theft loss to jewelry and gems, furs, gold, silverware, pewter, guns and more. Very limited coverage may be available for other types of property, such as money, stamps, fine arts, antiques, electronics and boating equipment, regardless of the cause of loss.

Additional living expense, such as the extra cost of temporary housing, food and other things, when you’re forced from your home by a covered cause of loss.

Liability coverages, in case you accidentally injure someone or damage his or her property.

Medical payments for minor injuries to people other than residents of the household.

There are other considerations, too. Our team of local insurance pros can help you understand things like coinsurance and replacement cost issues, and can customize your protection with endorsements or other policies. These extra coverages might include:

Valuable articles/floater insurance policies, also known as jewelry or firearms insurance.

Water sump protection

Foundation and slow water leak protection

Flood or earthquake protection.

Umbrella policies, offering added liability protection.

And even animal liability, in case your household pet causes harm.

At Twin Creek Insurance, we know what works for one homeowner won’t necessarily work for another. That’s why we listen to you, determine your situation, and then create an individualized homeowners insurance plan that addresses your unique needs—and home.