Homeowners Insurance

Homeowners insurance protects against damage to your home and belongings from wind/hail, fire, lightning, theft, and other covered occurrences. Additionally, your home insurance policy safeguards your assets if you’re liable for someone else’s injuries or property damage. Get a home insurance quote today and get customized coverages from Marshall Insurance.

Ways To Save On Homeowners Insurance from Marshall*

Bundle Auto and Homowners Insurance

Save an average of 12% on car insurance when you combine home and auto with the same insurance company.

Quote in Advance

Plan and save when you get a homeowners insurance quote 10 days before your policy starts

Alarm Systems and Safety Devices

You could earn discounts by installing fire and burglar alarms, automatic sprinklers, or a security system in your home.

New Purchase

Earn a discount when you purchase a new home (doesn’t have to be newly built).

Pay In Full

If this discount is available to you, it’s an easy one to earn. Just select to pay for your 12-month policy upfront.

Receive Documents By Email

This is another easy discount if it’s available to you. Just select to receive your policy documents through email, and you’ll get this home insurance discount.

New Home Construction

The newer your home, the bigger discount you could earn.

Standard Coverages*

Dwelling

Dwelling coverage can pay to repair or rebuild your house and other structures caused by fire, wind, hail, tornadoes, falling trees/limbs, ice dams, roof damage, and other covered perils.

Example: You’re protected if your roof caves in from the weight of snow, damaging interior components such as walls, kitchen cabinets, and countertops.

Temporary Living Expenses

If you’re unable to stay at home during repairs due to a covered loss, temporary living expenses (also known as “loss of use” coverage) can pay for additional living expenses above what you’d typically pay, up to your policy’s limits.

Example: A tree crashes through your roof, and you’re unable to live in your home while the repairs are made. You’re covered for the cost of a hotel stay and meals, above what you normally spend on groceries.

Liability

Personal liability insurance protects your assets if you or your family members are financially responsible for someone else’s damage or injuries. Additional coverages are available for libel, slander, and other lawsuits.

Example: A delivery person falls on your steps, breaking their arm and damaging the merchandise. If you’re liable, your homeowners insurance can cover their medical bills and lost wages, as well as the damaged merchandise.

Personal Propterty

Personal property insurance coverage pays to repair or replace furniture, clothes, electronics, appliances, tools, power equipment, and other belongings if they’re destroyed in a covered occurrence. For more expensive items, such as jewelry or art, you may need to “schedule” the item, also known as adding a rider to your house insurance policy.

Example: Someone breaks into your car and steals thousands of dollars’ worth of tools and equipment. You’re typically covered for the actual cash value of the stolen items, up to the limits of your policy.

How To Get A Home Insurance Quote*

Getting a homeowners insurance quote online or by phone is easy. Here are some of the important questions we’ll ask:

Who lives with you? Determine who will be on the property, and if you’ll be running a business from home.
How is the home built? Provide details about your home’s construction, such as when the roof and utilities were last updated.
Who will own the home? Let us know if there will be a co-owner/co-applicant (usually a spouse).
Do you have home insurance now? Tell us who your carrier is and how long you’ve been insured.

Contact Marshall Insurance: 814.363.7556 | Email Us

*Coverages and options may not be applicable to all carriers.