Homeowners Insurance
Protect Your Home with Home Insurance
Our Homes are practically our lives. So, it is important to feel secure every time you or a loved one goes to sleep at night.
Protect Your Family with Home Insurance
Always ensure your family has a place to sleep, even if you experience a loss. We are here to Provide affordable insurance in your area!
Protect Your Future with Home Insurance
In today’s litigious society, everyone should be wary of the exposures guests, neighbors & workers can create.
Frequently Asked Questions
Please reach us at Info@KennedyIG.com if you cannot find an answer to your question.
You may find that your current homeowner's insurance does not include coverage for some prevalent loss scenarios. See below for a list of the most common exclusions:
- Floods
- Earthquakes
- Neglect or wear and tear
- Sewer backups
- Animal Liability
Types of Policies:
- HO-1 – Basic coverage (rarely used).
- HO-2 – Broad coverage for specific perils.
- HO-3 – Standard policy covering most perils (except exclusions).
- HO-5 – Comprehensive policy with higher coverage limits.
- HO-6 – Condo insurance.
- HO-8 – Older home insurance.
You can lower your insurance premium by increasing your deductible, bundling your policies, and taking advantage of available discounts.
On your policy, you will see coverages A-F, many of which play an important part in covering you against all types of loss scenarios that may occur at your home.
These Coverages Include:
- Dwelling Coverage – Protects the structure of the home (walls, roof, foundation, etc.).
- Personal Property Coverage – Covers belongings inside the home, like furniture and electronics.
- Liability Protection – Covers legal costs if someone is injured on your property.
- Additional Living Expenses (ALE) – Covers temporary housing if your home becomes uninhabitable.
Kennedy Insurance Group, LLC
KennedyIG.com
Copyright © 2021 Kennedy Insurance Group LLC- All Rights Reserved.
