Home Insurance

At The Carbone Agency, we understand the importance of protecting your house and everything that makes it your home. Our comprehensive home insurance coverage provides peace of mind for the structure of your home, your personal property, and those coverages that go beyond the ABCs that are not often talked about. Let us guide you through the key coverages and important options to ensure you have the right protection, tailored for your individual needs.

Comprehensive Home Insurance Coverage

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Dwelling

This coverage protects the structure of your home. Imagine turning your home upside down, everything that doesn’t fall is part of your dwelling. This includes walls, roof, flooring, and built-in features.

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Detached Structures

Any structure on your property that is not attached to your home falls under this coverage. Examples include detached garages, sheds, and in-ground pools just to name a few.

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Personal Property

This coverage insures the contents of your home. If you were to turn your home upside down, everything that falls is usually considered personal property. This includes furniture, electronics, clothing, and other belongings.

Coverage That is Beyond the ABCs

At The Carbone Agency, we know your home is more than a building; it’s your sanctuary, filled with cherished memories. Our comprehensive home insurance goes beyond the basics to offer tailored protection. With coverage for liability, water backup, dwelling extended limits, ID protection, loss of use, personal injury, and similar construction, trust us to safeguard your home with enhanced coverage.

  • Building Ordinance or Law Coverage

    Provides coverage for additional costs associated with bringing your home up to current building codes after a covered loss.

  • Liability Protection

    Home insurance provides liability coverage in case someone is injured on your property or if you cause accidental damage to someone else’s property. This protection extends beyond the physical structure of your home.

  • Water Backup Coverage

    Protects against damage caused by the backup of sewer or drains.

  • Dwelling Extended Limits

    Extends coverage limits beyond the dwelling amount to ensure adequate protection in case of unforeseen circumstances.

  • ID Protection Services

    Offers assistance and coverage for identity theft-related expenses.

  • Loss of Use Coverage

    Helps cover additional living expenses if your home becomes uninhabitable due to a covered loss.

  • Personal Injury Coverage

    Provides coverage for certain personal injury claims, such as libel, slander, or invasion of privacy.

  • Similar Construction Coverage

    Ensures that repairs or rebuilding after a covered loss can be done with materials of similar quality and construction.

Home Insurance FAQs

Got a question? We’re here to help.

  • What factors can affect my home insurance premium?

    Several factors influence your premium, including the location of your home, its age, construction materials, security features, and your claims history. We can help you understand how these factors affect your premium and find ways to potentially reduce it.

  • How is the amount of dwelling coverage determined on a home insurance policy?

    The amount of dwelling coverage is typically based on the replacement cost of your home. It is calculated by estimating the cost to rebuild or repair your home using similar materials and construction techniques in the event of a covered loss.

  • Why is the replacement cost used instead of the market value of the home? Can the replacement cost be higher or lower than the market value of the home?

    The purpose of home insurance is to make you whole after a loss.  This is why insurance companies will insure your home for a replacement cost which reflects the expenses associated with rebuilding your home from scratch, including materials, labor, and other construction costs. The market value, on the other hand, considers factors such as the land value and location, which are not directly related to the cost of rebuilding.  It is common for the replacement cost to differ from the market value of your home which can be higher or lower depending on numerous different factors. 

  • Can I adjust my coverage limits over time?

    Yes, it’s essential to review your coverage limits periodically to ensure they align with the replacement cost of your home and your possessions inside. Our agents can assist you in evaluating and adjusting your coverage as needed.

  • Are floods or earthquakes covered by standard home insurance?

    Typically, floods and earthquakes are not covered by standard home insurance policies. However, we can help you explore separate policies or endorsements to protect your home against these specific causes of loss.

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Ready to ensure you have the right coverage for your auto insurance needs? Contact us today for a free review and to discuss your options. Our knowledgeable agents will help you make choices that provide safety, asset protection, and financial security.

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