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Home Insurance:

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Some homes are more challenging to insure than others. That's where American Modern shows its value and expertise.

We deliver specialized products and services for rental and vacant property, seasonal and owner-occupied homes, and mobile homes. These niches may not need a homeowners policy, or may have trouble getting coverage because of occupancy, value, location, past claims or other reasons.

Whether you're a new home owner, or have lived in your house for years, we know how important your home is to you. Insurance for your home doesn't just protect your house and property. Homeowners insurance also protects your belongings, yourself and your guests. You've put a lot of hard work into providing a home for yourself and your family. Talk to your local Safeco agent for personal advice on the best combination of home insurance coverage, value and price to protect your hard earned investment.

Benefits of Home Insurance

Home insurance offers numerous benefits to the policyholder. With a good home insurance in place, you can have complete peace of mind regarding your property investment. You can avail emergency repairs, the additional expenses of living outside your home in case of damage to property, or replacement of personal property, minus the hassles and minimum documentations. Besides, the monthly premiums involved are reasonably low in most cases so as not to put extra financial burden on the insurer. The home insurance premium calculator can help you to calculate and decide which home insurance plan to go for.

Key Features of Home Insurance

1. There is easy option for payments including monthly premiums without extra costs.
2. Get home insurance online, which is a hassle-free proposition for those interested.
3. Discount is available on contents/home premiums and price reductions for multiple policyholders.
4. Standard coverage is present against explosion or fire, theft, attempted burglary, damage due to natural disasters, and compensation for damage to property or contents within, through vehicular accidents.
5. Reasonable covers for your valuables including camera and jewelry.
6. Expense cover is available for alternate accommodation for up to one year.
7. Presence of burglar or smoke alarm or other security measures help homeowners to get discount on their home insurance.
8. The cover is for both self-owned and rented properties

Home insurance coverage

If you want to go for home insurance coverage, it is possible to choose the cover amount based on personal spending capacities and requirements. Select contents that you want to get under the insurance umbrella. Coverage amount may depend upon the reinstatement value or the current value of the product in market. Also included is the personal accident cover concerning permanent disability or death of policyholder. In such cases, the nominee gets predetermined compensation amounts.

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