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Homeowners Insurance

Pixel Group Home Insurance

Whether insuring your home or the contents of your apartment, whether in combination with your auto coverage or not, we place our clients with the leading companies in the insurance industry and find our customers the very lowest rates year-in and year-out.  For this valuable asset, your home, you need a professional, personal agent, someone who can answer your questions and be there through any emergency. Let us quote you from our more than 100 companies, get you the best rate, and win your loyalty with the most conscientious service anywhere.  Our best-in-class companies and lowest premiums attract our customers, but our service keeps them satisfied clients forever.  

What is Homeowners Insurance?

 It is a product you can buy online, which is how we make it available too, but the overwhelming majority of Americans do not have the proper coverage. They are either under-insured or over-insured (in which case they are paying too much). When you purchase homeowners insurance at Pixel, you always have an experienced agent who makes sure that you have the exact coverage you need. The application takes minutes, but the agent who constantly evaluates and reevaluates your coverage is forever. The application takes minutes, but the agent who constantly evaluates and reevaluates your coverage is forever.  

What does home insurance cover?

It covers your home, its contents, and you yourself in the event of a lawsuit.  But what are the conditions attending this lawsuit protection?  What are acceptable reasons for an insurer to non-renew your policy?  What is your pet or your credit score doing to your premium?  Of what should a home inventory consist and what is its necessity?  To answer the sorts of questions that really matter, expert guidance is indispensable.  Get more out of your premium dollar with an experienced, professional Pixel agent.  Get the coverage that is right for you.  

Understanding Homeowners Insurance

When a mortgage is requested on a home, the homeowner is required to provide proof of insurance on the property before the lending bank can issue him or her a mortgage. The property insurance can be acquired separately or by the lending bank. Homeowners who prefer to get their own insurance policy can compare multiple offers and pick the plan that works best for their needs. If the homeowner does not have their property covered from loss or damages, the bank may obtain one for them at an extra cost.

Payments made toward a homeowners insurance policy are usually included in the monthly payments of the homeowner’s mortgage. The lending bank that receives the payment allocates the portion for insurance coverage to an escrow account. Once the insurance bill comes due, the amount owed is settled from this escrow account.

Protect your home before damages

Homeowners Insurance vs Home Warranty And Mortgage Insurance

A homeowners insurance policy usually covers four incidents on the insured property—interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that arises while on the property. When a claim is made on any of these incidents, the homeowner will be required to pay a deductible, which in effect is the out-of-pocket costs for the insured. For example, a claim is made to an insurer on interior water damage that occurred in a home.

The cost to bring the property back to livable conditions is estimated by a claims adjuster to be $10,000. If the claim is approved, the homeowner is informed of the amount of his or her deductible, say $4,000, according to the policy agreement entered into. The insurance company will issue a payment of the excess cost, in this case, $6,000. The higher the deductible on an insurance contract, the lower the monthly or annual premium on a homeowners insurance policy.

Every homeowners insurance policy has a liability limit, which determines the amount of coverage the insured has should an unfortunate incident occur. The standard limits are usually set at $100,000, but the policyholder can opt for a higher limit. In the event that a claim is made, the liability limit stipulates the percentage of the coverage amount that would go toward replacing or repairing damage to the property structures, personal belongings, and costs to live somewhere else while the property is worked on.

Acts of war or acts of God such as earthquakes or floods are typically excluded from standard homeowners insurance policies. A homeowner who lives in an area prone to these natural disasters may need to get special coverage to insure his or her property from floods or earthquakes. However, most basic homeowners insurance policies cover events like hurricanes and tornadoes.

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