Homeowners – Julie Hahn Agency

704-626-2828 - Call or Text for a Quote

juliehahn@allstate.com

Monday - Thursday: 8:30AM - 5:30PM

Friday: 8:30AM - 5:00PM

Saturday | Sunday - CLOSED

704-626-2828 - Call or Text for a Quote

julie@juliehahnagency.com

juliehahn@allstate.com

Monday & Wednesday: 9:00AM - 5:30PM

Tuesday & Thursday 8:30AM - 6PM

Friday: 9AM - 5PM

Saturday | Sunday - CLOSED

Homeowners Insurance

Protection for Homeowners

Your house is one of your largest investments, but more than that it’s a place where you make memories and call home. It’s important that you protect your home with the right coverage that’s tailored to you and your needs

Protecting that investment can be essential for not only a mortgage but also peace-of-mind. Different policy features and coverage options can be overwhelming and even confusing at times. Our goal is to make the process simple and easy for you by helping you choose the right coverages, options and features that are important to you and fit into your budget.

Big Family and Friends Celebrating Outside at Home. Diverse Group of Children, Adults and Old People Gathered at a Table, Having Fun Conversations. Preparing Barbecue and Eating Vegetables.

Homeowners Insurance

We enjoy life sip by sip

Key Sections of Homeowners Insurance Coverage described below:

Dwelling & Other Structures

The main part of any homeowners policy is the section that covers the main dwelling and is also how many of the other coverages are determined. Getting the right amount of coverage for your dwelling is imperative to make sure you are completely covered if you had a total loss. It’s not usually the amount that you paid for the house, but the cost to rebuild or replace your home. Our experienced agents can assist and advice you on what amount is right for you. The dwelling coverage can also be extended to separate or detached structures that are not part of the main dwelling and designated by clear space – things like a pool, hot tub, pool house, detached garage, storage unit, a gazebo or even a fence.

Personal Property

Personal Property is another way of saying your personal belongings. This would include all the things you put inside your house and would take with you if you moved – furniture, décor, clothing, electronics, and more – which are also major investments. Your homeowners policy can protect these items in case of a covered loss such as fire, theft, wind, hail, storm or other covered loss events that are sudden and accidental in nature.

Liability Insurance

Medical coverage is meant to reimburse medical expenses incurred by guests who have had an accident on your property.

Medical Coverage

Medical coverage is meant to reimburse medical expenses incurred by guests who have had an accident on your property.

Other Auto Insurance Coverages

  • Towing and Labor – This coverage option reimburses you for the expense of roadside services, up to your limit (max of $100). This includes towing your vehicle, as well as other basic roadside services such as fuel delivery, changing a tire, lockout, etc.
  • Rental Car Reimbursement – This option is important if you would need a replacement vehicle after an accident, while your vehicle is undrivable and/or in the shop getting repairs, up to the time it is repaired and a max of 30 days.

What Can Impact Your Insurance Premium?

Many customers want to know how the price of their insurance is determined. There are a lot of factors that determine the premium and it’s important to understand what those are and which ones you can control when it comes to lowering your premium. Here is a short list of some of the major factors:

  • Age of your home
  • The age of your roof, type, and shape
  • Your personal loss history (# of claims in last 5 years)
  • Your credit history and the city/area you live in
  • Time period of continuous insurance coverage
  • Your home’s distance from a fire hydrant or fire station
  • The coverage limits you choose for both dwelling and personal property
  • The deductibles you choose (higher deductible = lower premium)
  • Discounts and credits available (i.e., protective devices, multiple policies, etc.)

We will work closely with you to make sure you understand your coverages and that your policy provides the protection you need while fitting into your budget.

Contact us for free quote today and learn how inexpensive it can be to protect everything you’ve worked so hard for.

Julie Hahn Agency © 2023 All Rights Reserved. Developed by Laser Focused Business Development

Julie Hahn Agency © 2023 All Rights Reserved. Developed by AgencyBox LLC

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