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Your home is not just a building—it’s a sanctuary. It is also one of your most valuable assets. At Top Grade Insurance, we understand how close your home is to your heart. Accordingly, we go to great lengths to help you protect it from unforeseen events.
Secure your home
Don’t leave your home’s protection to chance. Call our office today and let our experienced insurance agents help you find the perfect home insurance package that fits your needs and budget.
Our Coverage Options
We offer a wide range of home insurance covers to protect you from all risks. These include:
It covers the structure of a home, including the roof, walls, and even the adjacent structures. The policy protects against common perils like fire, storms, and weather damage.
If someone gets injured on your property, you could face a lawsuit and potentially have to pay some damages. With liability protection, the insurer will pay the legal, medical, and compensation costs related to unexpected incidents in your property.
Your home is more than just the walls and roof. It also contains your most cherished items, which could get damaged or lost if something happens to your house. With this coverage, you can insure your personal belongings like electronics, furniture, and clothing from fire, theft, and other accidents.
This helps you keep your life on track as you wait to renovate or rebuild your home. You will get reimbursements for the temporary housing, meals, and other costs you incur if your property becomes uninhabitable.
This is like a safety net that protects you beyond what your regular home insurance policy covers. Moreover, it protects your family members from liability arising from injuries on your property.
Frequently Asked Questions
- Does homeowners insurance cover a rental property?
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If you rent out a house or if your rental property is vacant, you’ll need a dwelling policy instead of a homeowners policy to insure your rental. A landlord’s dwelling policy may also cover other structures on the property, theft of belongings, vandalism, loss of rental income, and liability.
- Does home insurance cover flooding?
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Most home insurance policies typically do not cover flooding. If you reside in a flood-prone area, a separate flood insurance policy may provide protection against damage to your home and personal belongings.
- Is homeowners insurance mandatory?
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Homeowners insurance is not legally required like car insurance. However, if you’re financing your home, lenders usually require it to protect their investment. Even after paying off your mortgage, having coverage is important to protect your valuable asset. Additionally, homeowners insurance can safeguard you against lawsuits for accidental injuries.
- Does home insurance cover water damage?
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Not all water damage is the same. Overflowing washing machines, heavy rain flooding, and sewer backups are common issues. These perils are often not covered by standard homeowners policies, leading to potential challenges for both your insurer and your finances. Sewer backup coverage protects your home from damage caused by water backing up through your plumbing, which can result in significant costs. Most standard homeowners policies do not cover this risk, so it’s essential to obtain a special sewer backup endorsement or a separate policy for adequate protection.
