If you want to find the best home insurance company for your needs, Dufault Insurance Agency’s expert team of insurance agents can give you a helping hand.
As an insurance agency, we work for you to locate the best value in insurance coverage for your home. Whether you own an apartment or a house, with us, you can easily compare different insurers and policies to figure out which plan is right for you.
Contact us now at (218) 773-2480 to get started. We can always help you over the phone, but we encourage you to set up a personal consultation with us. This way, we can answer any questions you have, and no details will go overlooked.
Commitment-Free Consultations on Home Insurance
When you enlist our insurance agents, we make sure obtaining home insurance quotes is quick and straightforward. Once you get in touch with us, we’ll set up a consultation to make a full assessment of your individual needs as a homeowner.
Once we’ve completed an insurance valuation, we’ll find viable home insurance companies for your situation and compare their coverage. We’ll make professional recommendations without bias, considering the rates and conditions of each policy. Our team will gladly explain premiums and any fine print to ensure you feel confident in your purchase.
Comprehensive Homeowners Insurance Coverage
Whether you’re looking into coverage for a new home, or you’re hoping to find better than what you currently have, we can help you fully insure your assets. Our home insurance professionals will help you figure out which policies would be in your best interest to have, and we’ll search for opportunities to reduce premiums every chance we get.
Different types of home insurance coverage include the following and more:
Dwelling protection covers damage and loss of property caused by theft, fire, smoke, storms, or other similar risks.
Personal Property Damage
Personal property damage covers household items in the event of a covered loss.
Extended Replacement Cost
Extended replacement cost is additional coverage to rebuild your home in the event of a covered loss.
Personal Liability Protection
Personal liability protection covers costs associated with bodily injury or property damage caused to others as a result of a covered loss.
Additional Personal Property
Additional personal property covers specific valuables, such as antiques, fine art, and jewelry.
Expert Property Insurance Claims Assistance
Although filing a home insurance claim is a simple process, our team is always here to help in the event of a claim. We’ll file everything for you and ensure a fast and fair settlement.
When disaster strikes, let us know as soon as possible so that we may notify your insurance company without delay. From there, we can collect documentation of the damage, and determine the costs that will be paid out by your insurer.
Coverage that protects your biggest asset.
Home insurance to suit your lifestyle.
Your home is one of your biggest assets. That's why it's important to do everything you can to protect it. We'll help you plan for the unexpected with insurance coverage that's just right for your home and your family.
Get the insurance your home needs.
Your home is the center of your life. It's also your biggest investment. So make sure you cover the unique risks you face with home insurance. Get the right policy that will take care of both small and large risks related to owning a home.
What are the risks your home faces?
Imagine if your house caught on fire. Not only would you lose your home, but you'd also be burdened financially and emotionally. Without adequate home insurance, you would be left with no way of raising the funds to pay off the balance of the mortgage. Of course, home insurance may also protect you from more common things like pipe leaks and property damage. Because even small issues can add up, and having comprehensive coverage helps you protect your biggest investment.
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.
Personal Property / Contents - Property Damage
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
Additional Living Expense / Loss of Use
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt-potentially incurring additional living expenses for lodging, food, and other daily needs.
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.
Obtain a personal floater or schedule your valuable possessions to ensure you'll have the money to replace them.
If a guest is injured while on your property, even when it's due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Personal Injury / Defamation
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.
Umbrella / Excess Liability Coverage
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Owning a secondary home has the potential of increasing your liability exposures.
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.
Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Whether entering from outside your home from a flood or from within your home's plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.
Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
Protecting you home starts with the right insurance.
Finding the right coverage for your unique needs can seem overwhelming. We make things simpler by creating an insurance policy that gets you the proper coverage for your house at the right price.
Every home is different, your coverage should be too.
Home insurance policies cover a range of options tailored to fit the needs of your home and lifestyle. When reviewing your home insurance options, consider the following coverages:
- Personal Property / Contents
- Property Damage
- Additional Living Expense / Loss of Use
- Jewelry, Fine Arts & Collectibles
- Medical Expenses
- Personal Liability
- Personal Injury
- Excess Liability Coverage
- Flood Coverage
- Secondary Home
- Collectible Cars
- Wine Collection
- Water Back-Up
- Off Premises Theft
Do you have the right home insurance?
Does your current home insurance cover all your needs? Chances are, it doesn't. As your insurance advisor, we'll work with you to determine the risks your home faces and customize your coverage to fit your specific needs. Because whether you live in a one-story house or a mansion, it's the place you call home. And your home deserves to be covered with insurance that's more than the bare minimum.
Contact us today to discuss your options.
Contact Us to Compare the Best Home Insurance Options
Thanks to Dufault Insurance Agency, you can feel safe and secure in your home, knowing that you’re adequately insured. We can help you understand your insurance needs so that you can make a well-informed decision when selecting the right property insurance plan for you.
Get in touch with us now at (218) 773-2480.