Homeowner's Insurance

Estimated annual premium rates above are based on:

  • 1% deductibles for both Wind/Hail and Other Peril (1% of Coverage amount)
  • HO-3 coverage form with Replacement Cost coverage for structure and contents
  • $300k personal liability limit; (no aggressive pets)
  • Assumes primary residence use; no multiple-policy discounts; single-family home
  • 100% Brick Veneer exterior; composite shingle roof; Ranch-style; concrete slab
  • Home within 1k feet of fire hydrant; 2 miles of fire station; PPC 3
  • No fireplace, trampoline, pool, in-home business use, or central alarm system

Note that these estimated annual rates above do not include the endorsement of Foundation Coverage. To add such coverage at 15% of the home's replacement cost, multiply the above rates by 1.25 for an estimated total premium.

Benefits of Home Warranty Coverage

To the Seller:

  • Home may sell faster and at a higher price.
  • Optional coverage during the listing period.
  • Protection from after-sale legal disputes.
  • Increases marketability of home.

To the Buyer:

  • Warranty coverage on major systems and built-in appliances.
  • Protects your cash flow.
  • Puts a complete network of qualified service technicians at your fingertips.
  • Low deductible.

Back to Homebuyers Guide

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