Homeowner Insurance

The financial safeguard against disaster, including property loss and injuries to third parties, is homeowners insurance. While anyone can legally own a home without it, your friendly neighborhood mortgage lender will no doubt require this coverage for self-protection.

Homeowners insurance policy costs are determined by many factors, such as square footage of the house, neighborhood crime rate and how prone your neighborhood is to natural disasters. The level of coverage also makes an impact.

In addition to covering the house, homeowner's insurance protects furnishings and other personal items, as well as any other structures on the property. 
Homeowners insurance also covers some types of personal liability. For instance, if the mail carrier trips over your kid's skateboard, your policy will pay for his medical expenses and other losses.

Vandenbergh Insurance Agency can explain various options, such as:

  • Actual Cash Value — Replaces home and/or possessions minus a deduction for depreciation.
  • Replacement Cost — Replaces home and/or possessions without a deduction for depreciation.
  • Guaranteed replacement cost — Pays whatever it costs to rebuild your home the way it was before the disaster.

At Vandenbergh Insurance Agency, we offer you the best choices in homeowner coverage.