Home insurance is one of the most important coverages you can buy. Your home is where you and your family feel safest, and it’s hard to think of that safety being threatened by a natural disaster or other danger.

At Greening Abercrombie & Piekarski Insurance, we understand how precious your home is. Our insurance professionals are dedicated to helping you keep a peace of mind while at home and away.

What Is Home Insurance? 
A home insurance policy covers damage to your home and personal property if you have a covered loss. In addition, this insurance covers your liability or legal responsibility for injuries or property damage you or your family might cause. Home insurance is essential and provides you with crucial financial protection. 

Home Insurance Coverages We Offer

A home insurance policy from Greening, Abercrombie & Piekarski Insurance may include:

• Dwelling Coverage: This provides compensation for damages to your physical home and its attached structures due to fire, lightning, smoke, wind, hail, explosions, theft or vandalism.
• Personal Belongings Coverage: This provides compensation for loss of or damage to your personal items due to fire, wind, smoke, theft or vandalism. There are also additional policy floaters available for expensive items such as jewelry, furs and art.
• Liability: This covers expenses related to bodily injury and property damage someone else may suffer on your property. For example, if someone falls down the stairs and breaks their arm in your home, liability insurance can help pay for their medical bills as well as protect you against a lawsuit involving the injury.
• Additional Living Expenses: Additional living expenses cover the cost of temporarily moving, including paying for a hotel and food, in the event the home is rendered uninhabitable by a disaster.

Ask a Greening, Abercrombie & Piekarski Insurance agent about additional coverages you may want on your home insurance policy.

What Affects the Cost of Home Insurance?

Your home insurance premiums depend on a variety of factors, some of which are surprising to many homeowners. Basic influences on your home insurance premiums include your location, the replacement cost value of your home, coverage limits, deductibles, value of your belongings, credit score and claims history. If you have poor credit or a history of filing claims, you could see a rise in your home insurance rates.

Also keep in mind that the total replacement cost value of your home is not the same as its market value. The replacement cost value of your home can be calculated to include material and labor costs in the event the home was destroyed in a disaster. A Greening, Abercrombie & Piekarski Insurance agent can help you discover your home’s total replacement cost value, as well as introduce you to discounts that can lower your monthly premiums.

Insure Your Home Today

Keep your peace of mind with a reliable home insurance policy. Call Greening, Abercrombie & Piekarski Insurance at (203) 239-3395 or fill out an online quote form to start insuring what matters most.

Common Home Insurance Questions