Secure Your Home
Protect Your Biggest Investment - Insure with You!
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Tailored Coverage Plans
Every home is unique, and so are your insurance needs. Whether you own a single-family home, a condo, or a rental property, we offer customizable insurance policies to ensure you have the right coverage.
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Affordable & Competitive
We work with top-tier insurance providers to offer competitive pricing without sacrificing protection. Our agents will help you find the best rates and coverage for your budget.
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Reliable Claims Support
When disaster strikes, you need fast and reliable support. Our claims process is streamlined and efficient, so you can get the help you need quickly -whether it's repairing damage or replacing stolen property.
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Dedicated Customer Service
At You Insurance Agency, we are with you every step of the way. From selecting your policy to filing a claim, our team is available to answer your questions and provide support whenever you need it.
Condo Insurance
Owning a condo is a major investment, and you need the right coverage to protect your unit and personal property. We offer personal property coverage, liability protection, and flexible policy options.
With customizable plans and affordable rates, You Insurance Agency, ensures that your condo is protected from unexpected events like fire, theft, or water damage. Get a FREE quote today and secure peace of mind in your condo living.
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Renters Insurance
Even if you don't own a home, protecting your belongings is important. Our renters insurance covers your personal property from theft, fire, and other risks, while also offering liability protection. Whether you're renting an apartment or house, we provide affordable plans that safeguard your possessions and offer peace of mind. Get a FREE quote today and protect your lifestyle that fits yo budget.
How Much Home Insurance Do I Need?
Determining how much homeowners insurance you need starts with understanding the cost to rebuild your home. Your policy should cover the full replacement cost of your home, not its market value, which includes materials and labor required to rebuild it after a disaster. Work with your insurance agent to calculate this amount, factoring in the size, construction type, and special features of your home. Don’t forget to include coverage for additional structures like garages or sheds.
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Beyond your home, consider the value of your personal belongings. A standard policy typically covers personal property at 50-70% of your dwelling coverage. You may also want to add liability coverage to protect against legal or medical expenses if someone is injured on your property. Most experts recommend at least $300,000 in liability coverage. Review your policy regularly to ensure your coverage keeps pace with any home improvements or changes in property value.
5 Surprising Facts About Homeowners Insurance
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Rebuilding Costs vs. Market Value: Did you know your homeowners insurance should cover the cost to rebuild your home, not its market value? Rebuilding costs often differ due to labor and material prices, which fluctuate over time.
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Personal Belongings Are Covered Anywhere: Did you know your policy often protects your personal belongings even when you’re away from home? Items stolen from your car or a hotel room, for example, might be covered.
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Liability Coverage Extends Beyond Your Home: Did you know your homeowners insurance liability coverage can protect you if someone is injured on your property or even off your property, like if your dog bites someone at the park?
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Floods and Earthquakes Aren’t Included: Did you know standard homeowners insurance policies typically don’t cover damage from floods or earthquakes? You’ll need separate policies for those specific risks.
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Temporary Living Expenses May Be Covered: Did you know if your home becomes uninhabitable due to a covered loss, your insurance can pay for temporary living expenses, like hotel stays and meals, under additional living expenses (ALE) coverage?
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Filing Claims is also easy. Just Click Here.