Protect your biggest investment – your home.
Your home is likely one of your most valuable possessions, which is why it’s important to have the right insurance in place. Triangle Insurance can help you find the coverage that’s right for you so that you can rest easy knowing your family and belongings are taken care of.
We know that finding the right homeowner insurance policy can be confusing, but our team is here to help. We’ll work with you to find a policy that fits both your needs and budget.
What is Homeowners Insurance?
Homeowners insurance is a type of property insurance that covers losses and damages to an individual's home and belongings. It also provides liability coverage in the event that someone is injured on the property. Homeowners insurance is typically required by lenders when a home is purchased with a mortgage. The amount of coverage required is typically based on the value of the home.
What does a typical homeowners insurance policy cover?
A homeowners insurance policy typically covers the following:
The dwelling itself
Other structures on the property, such as a detached garage or shed
Personal belongings inside the home
Loss of use, which provides coverage if the home is uninhabitable due to a covered event
Liability protection in the event that someone is injured on the property
What isn't covered on a standard homeowners insurance policy?
Homeowners insurance is designed to protect your home and personal belongings from damage or loss due to a variety of perils, such as fire, theft, and weather-related events. However, there are some types of damage that are not typically covered by homeowners insurance policies. For example, most policies will not cover damage caused by:
Flooding
Earthquakes
Termites, insect damage, or rodents
Mold
General usage wear and tear
If you live in an area prone to flooding, you may be able to purchase an additional flood insurance policy that would protect you against damage to your home or loss of personal belongings.
Ways to save on homeowners insurance
There are a few things you can do to help lower the cost of your homeowner insurance premium, such as:
Bundling your policies: You may be able to save on your homeowner insurance by bundling it with another type of insurance, such as auto or life insurance.
Protective device discount: Many insurance companies offer a discount if you have certain types of protective devices installed in your home, such as smoke detectors, fire sprinklers or extinguishers, or a security alarm system.
Choosing the best coverage for you
When choosing homeowners insurance, it’s important to find a balance between the coverage you need and the price you’re willing to pay. Talk to one of our experienced agents to help you determine the best coverage for your needs.