Home Insurance

So, you found your perfect home and need insurance or you would like to shop your current coverage - you have come to the right place! Insurance is critical to protecting this large investment and you may be required to carry insurance on your home if you have a lienholder. Here are some things you will want to know about homeowners' insurance:

• A standard home insurance policy will cover the following: fire, theft, vandalism, damage from water, smoke, and wind. However, it does not cover damage caused by floods. (Flood insurance is a separate coverage and you can learn more here).
• Many factors can affect the cost of your home insurance. Location of your home, construction (what materials were used to build your home), age of the house, replacement cost (the costs of fully rebuilding the house), swimming pool, home-based business (your insurance costs may be higher if you run a business from home), and type of coverage to name a few.
• Most home insurance policies limit the amount that an insurance company will pay for stolen jewelry or other valuable things in a house. Therefore, it is recommended to get a separate policy for costly belongings. We can help with this too! Ask an agent about this coverage.

We are here to give you peace of mind

Have questions about homeowners' coverage or need a quote? We are here for you. Give us a call at 401-900-INSU, send an email to info@schiappainsurance.com, or start your quote at the top of this page.