Homeowners Insurance

THINGS TO CONSIDER

  • If my roof is damaged by hail, will my insurance company pay to replace 100% of my roof "as-new" or just pay a percentage of that amount since my roof is old?
  • If I am personally sued are my assets or income at risk if if I am being sued for an incident that occured off of my property?
  • If my basement has water damage, does my policy exclude coverage for repair?
  • If I belong to a homeowners association and the association is being sued, am a liable for any judgements if the association doesn't have adequent insurance in place?
  • How many homeowners claims in a 5 year period can I have before a company will non-renew my policy?
  • My child lives away from home at college, do I need a seperate policy for their contents or does my homeowners coverage extend to him/her?

HOW CAN I WORK WITH ST JOSEPH AGENCY?

We will need the following items to get started on a personalized plan for you:

  • Property address
  • Phone number & email address
  • DOB of named insured(s)
  • SSN of named insured(s)
  • Mortgage (bank name, address & loan number)
  • Total square feet of property
  • Type of construction (brick, frame, basement/slab/crawl, etc.)
  • Basement (unfinished, partially finished or finished)
  • Garage (# of cars, attached or detached)
  • Year built
  • Roof, wiring, plumbing & heating updates? (rough description & year of updates)
  • Optional water back-up coverage, earthquake coverage OR flood coverage?
  • Any scheduled/personal items to be listed on the policy? (description & dollar amount)
  • Discounts:
    • Fire Alarm (stand alone, local or central)
    • Burglar Alarm (local or central)
    • Deadbolt locks, fire extinguisher, auto-sprinkler