Ask a Broker – Knowing Your Insurance Options
It’s the small things that make a house feel like home. Small customizations to the kitchen, keepsakes in the storage shed or the perfect home operating system can all work together to make your home the place you love. It’s also the small things that make it important to find coverage that goes beyond one-size-fits all.
What Are Your Options?
Red River Mutual starts with the basics – broad packages that allow you to level up and start building the right coverage knowing you have a solid foundation.
Our Broad Package Policy will cover your home and your belongings in the event of a recognized accident or emergency. This is for homeowners who want basic protection at a reasonable premium. If you’re concerned about additional causes of loss or damage, our comprehensive plan will give you that peace of mind. If you live in a high-value home, you may qualify for the EXTRA protection for your home and your belongings.
Once you have that starting point, you can start layering your coverage to match your needs. A broker can help you look at the available add-ons and assess what will have the most value for you and your home.
Why Are There So Many Home Insurance Options?
While basic packages will cover the basics, add-ons like Home Equipment Breakdown or Water Protection Coverage might make all the difference when making a claim. It’s important to look around your home and see exactly what’s important for you to cover.
Home Equipment Breakdown coverage insures equipment like your heating/air conditioning units, home security systems, water heaters, sump pumps, dishwashers and washer/dryers in lieu of costly warranty programs. It’s a one-stop solution to make sure everything inside your home is covered.
Water Protection Coverage protects your home in case of overland and ground water or sewer back-up losses. You can’t predict the weather, but you can make sure you’re ready for whatever comes.
Underground Service Line Coverage protect you from the unseen risk of outdoor service lines. Homeowners are on the hook for leaks, breaks, tears or damage that occurs under their property, but the right coverage can have your back.
If you’re looking for a place to start, we recommend checking out our Insurance to Value resource, but once you’ve made a personal assessment, we suggest asking a broker.
Why Is Getting Coverage that Fits Important?
While getting customized coverage, particularly with older or unconventional homes, can take time. A broker can help you and make sure you rest easier in the long run.
When you’re looking for coverage, you want something that goes beyond the basics and protects the things that make your home special. That means choosing between a variety of packages and then picking from a whole list of customizations. Luckily for you, asking a broker can help.
How Do I Find The Best Coverage for Me?
Not sure what coverage is included in a typical policy or if you need extra? Ask a broker.
Looking for the perfect mix of add-ons to make sure your home is completely covered? Ask a Broker.
At Red River Mutual we want to give you options, so that whatever your home looks like and whatever the future holds, you can rest easy knowing you’re covered. A broker can help you navigate those options, finding coverage options that fit your home.
To find a broker in your area go to redrivermutual.com/locateabroker