Homeowners, Renters, and Landlord Insurance

The three building blocks to basic homeowners insurance include:

  • Ensuring the structure/improvement is insured
  • Ensuring the home contents are included in the coverage
  • Ensuring you have adequate liability coverage

We have a process for determining the most competitive rates for your needs – involving a thorough review of the replacement cost calculator for all aspects of your home, customizing the insurance plan accordingly, and providing our expertise to compare costs and ensure you are not needlessly over insured.

We then advise you and suggest alternatives for insuring your home—which is a step that most insurance agencies don’t do (most simply give you the final ‘number’ for what you should be insured for). Armed with the knowledge of all possibilities, you are able to decide on the best home coverage for your needs.

If you have jewelry or fine art that needs to be scheduled – these additional components will be discussed and determined. We also offer renter’s insurance that coverages the contents/assets you have within the rental property, as well as liability to cover unexpected events that occur.

connect with an agent
Homeowners, Renters, and Landlord Insurance FAQs

What type of insurance policy do I need as a homeowner / landlord / renter and why?

  • Homeowner - protects you when your home is damaged by paying for repair costs and reimbursing you for a temporary place to stay if it is uninhabitable. It will also provide protection if you injure other persons or their property by paying to settle lawsuits and by providing a lawyer to defend you.
  • Landlord - protects you when your home is damaged by helping pay for repair costs and reimbursing you for rent you lose while the property is uninhabitable.  It will also provide protection if there is any sort of accident on your property by paying to settle lawsuits and providing a lawyer to defend you.
  • Renter - protects you when your apartment burns down, floods, or gets blown away by helping replace your personal items and reimbursing you for place to stay until you can find a new apartment. It will also provide protection if you injure other persons or their property by paying to settle lawsuits and providing a lawyer to defend you.

What is the difference between Replacement Cost Value (RCV) and Actual Cash Value (ACV) homeowners coverage?

ACV - The items lost in a covered peril (fire, theft, etc) are devalued based on age or depreciation.

RCV - The items lost in a covered peril (fire, theft, etc) are replaced with similar like and kind without devaluation.

I only owe $50,000 on my house, why is my house insured at $300,000?

In the event of a covered loss, your home insurance is used to rebuild your house, it is not used to pay off the loan. If you were to suffer a loss you would continue to pay on your mortgage while the insurance carrier repairs/rebuilds your house.

connect with an agent
Leverage Our Expertise
When you choose The Weese Insurance Agency, you are signing up for the very best insurance coverage guidance from seasoned experts holding several decades of collective experience
Get a Free Quote