Homeowners Insurance

By applying risk management tools normally reserved for business we help you and your family avoid claims. Through our custom-tailored insurance packages, we ensure that you’ll be properly covered if a claim arises. From your first apartment to your vacation property, Francis Hall has got you covered.

It’s not just a house, it’s your home...

We get that and as a local, family owned agency, we also understand the risks unique to our area.

What is Homeowners Insurance?

Homeowners insurance protects you financially against unexpected damage to your home and possessions. It also provides protection financially in the event of legal responsibility for injuries or property damage to others.

What Does Homeowners Insurance Cover?

Sudden, accidental and unforeseen damages to your home and belongings. There are exceptions inside each policy, the most common of these are damages caused by flood, earthquake, or lack of maintenance. There are additional policies available to cover most exceptions.

Things to consider and questions to ask your agent:

  • Difference in terminology: The “Replacement Value” is the estimated cost to replace your home in the same quality, condition, and construction as it sits today. (Insurance Term; AKA: Insurable Value), “Market Value” is the amount you could expect to receive if you sold your home. (Real Estate Term; AKA: ReSale Value)
  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Francis Hall Insurance Services