Huntsville, AL Homeowner Insurance

There will be very few investments you make that are larger than what you invest into building a home. You invest a significant amount of money into a house, for sure. You also devote countless minutes and hours into building that house into a home. It becomes your sanctuary, the space you can go to when you want to relax and escape from the world. Needless to say, your home is very important to you and your family.

Something that important needs to be protected. The right homeowner insurance policy will make sure that your home, your sanctuary, your investment is protected. When your home is damaged, you need your home insurance claim settled by an insurance company that understands how important your home is. Pepper, Johnstone & Company understands how important your home is, especially in Huntsville, which is why we partner with many of the most reputable, highly rated and financially stable insurance carriers in the U.S. marketplace

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered perils. Depending on where you live – a house, apartment, or condo – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Why Do I Need Home Insurance by The Numbers

The average payment per homeowners claim in the U.S. was $8,787, according to the most recent data from the Insurance Research Council, and there were five claims filed and paid per 100 insured homes in the last year according to Value Penguin. The most common causes of home insurance claims according to an analysis of Travelers Insurance policyholders include wind damage, non-Weather water damage and theft.

Types of Coverages for Your Home

The four types of homeowners insurance coverage are:

• Structural — Covers damage to your home or dwelling.
• Personal Belongings — Covers damage to items in or on your home or dwelling.
• Liability Protection — Covers your legal responsibility for injuries or damage to other people or property.
• Additional Living Expenses — Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.

Your home is something that you can’t afford not to protect. If you are in Huntsville, Alabama and you are looking for the perfect home insurance policy to protect your peace of mind, then Pepper, Johnstone & Company can help. Our team of experienced and licensed professionals will work with you to find the perfect home insurance policy to fit both your budget and your needs.