Home Insurance Is A Wise Choice
1st Quality insurance agents are ready to help you shop, compare and save on homeowners insurance with a no-obligation online quote from America’s leading insurance companies. Regardless of the value of your home or its location, receive the best rates with maximum policy discounts. Offering broad insurance coverage to protect your home, personal contents and liability. 1st Quality makes sure that your home is covered by the best policy and best rates available.
Home insurance with 1st Quality Insurance Group
Pays to repair or rebuild your home, if damaged by a covered cause of loss. It’s important to buy enough dwelling coverage to cover the cost to rebuild.
Others Structure Coverage
Pays for damages to detached structures like garages, sheds, fences and cottages on your property.
Personal Property Coverage
Reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss.
Additional discounts available when also insuring your auto with the same company. When you go with 1st Quality homeowners insurance, you are not a number to us, you are client and we value you wants and needs.
Loss of Use Coverage
Pays your additional housing and living expenses if you must move out of your home temporarily while it’s being restored.
Helps protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property.
Homeowners Coverage Consideration
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility
Find the below point that matter your coverage:
- Dwelling coverage pays to repair or rebuild your home, including electrical wiring.
- Other structures coverage. Pays for damages to detached structures like garages, sheds, fences and cottages on your property.
- Coverage of your personal property.
- Coverage for the loss of use of your property.
- Replacement cost: This is the amount needed to replace or rebuild your property or repair damages using similar materials to what you had before. There’s usually a maximum dollar amount. (By paying a higher premium, you may be able to obtain guaranteed replacement cost coverage, which does not specify a maximum dollar amount.)
- Actual cash value: This is the amount needed to replace or rebuild your property, less depreciation. Typically, personal property will be reimbursed at actual cash value.
Things to think about when choosing homeowners coverage
Value of your home
What will it cost to have your home restored or rebuilt if it is damaged or destroyed?.
Value of your personal property
What are the contents of your home worth?
Value of expensive items
Do you have valuable jewelry, fur coats, paintings, collectibles?
Value of liability coverage
What if someone is injured in your home or someone’s personal items are damaged?
Condo Coverage Consideration
Condo insurance typically contains two components. The condo association insures the building, roof and common areas such as hallways or walkways. Individual unit owners are responsible for insuring the inside of their units, including their personal possessions.
You can get the insurance you need for your condo and your valuable possessions by contacting an 1st Quality agent. Your agent will help you compare rates from multiple insurance companies and choose the most suitable coverage for your needs.
You will need to buy more of your own condominium insurance if your association has a “bare walls-in” condo master policy than if it has “all-in” condo master policy.
Your condo insurance policy will cover you for loss or damage to your personal possessions, and provide coverage for personal liability and medical payments.
You also need to protect yourself from liability claims and lawsuits if someone is injured in your condo or you are responsible for damage to someone else’s property.
Condo insurance to protect the following
Condominium insurance covers the interior walls, fixtures, and personal property inside a condominium. Condo insurance provides coverage for the inside of your condominium; the external areas fall under the jurisdiction of your condo association and must be covered under the association’s insurance policy. Depending upon the specifics of your condominium association’s master policy, your condo insurance may include coverage for the interior walls, your appliances and your personal property and valuables.
Many condo owners might not realize they own items like flooring, inner walls, countertops, and fixtures. These items are usually not covered under the HOA insurance, so it’s up to you to have protection.
Loss of Use
Will often cover loss of use in the event that your condominium becomes badly damaged by a fire or storm and you need to live elsewhere during repairs.
You’ll likely want enough condo insurance to repair or replace your stuff if stolen or damaged. Replacement cost value will pay to replace items at their current value, without factoring in depreciation.
More Information On Flood Insurance
Flood insurance from the National Flood Insurance Program (NFIP) defines flooding as a temporary, partial or complete inundation of land that is normally dry. The inundation must cover two or more acres or two or more properties.
There’s something you should know: Flood losses are not covered by your homeowners insurance policy. Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
High Risk Zone
For properties in high-risk areas, lenders sometimes require mortgaged homeowners to carry flood insurance to protect the structure. It is up to the homeowner whether to purchase additional coverage for the property’s contents, such as furniture and clothing.
Low to moderate risk zone
In moderate-to-low risk areas, the risk of being flooded is reduced but not completely removed. These areas submit over 20% of NFIP claims and receive one-third of disaster assistance for flooding.
Flood Insurance Coverage options
Preferred Risk Policy
The National Flood Insurance Program’s (NFIP) Preferred Risk Policy (PRP) offers lower-cost protection for homes and apartments in areas of low to moderate flood risk. These areas outside of known floodplains are shown as B, C, or X, zones on a Flood Insurance Rate Map.
Standard Risk Policy
Standard Flood Insurance Policy (SFIP) Dwelling Form. The policy form used to insure a building designed for use as a residence for no more than 4 families or a single-family unit in a residential building under a condominium form of ownership. General Property Form. The policy form used to insure a non-residential building or a 5-or-more-unit residential building not eligible for the Residential Condominium Building Association Policy (RCBAP). Residential Condominium Building Association Policy (RCBAP). The policy form used to insure a building, owned and administered as a condominium, containing 1 or more units and in which at least 75% of the floor area is residential.
What does flood insurance cover?
The applications for flood insurance all include the option for insuring the building and contents, but purchasing coverage for the contents is optional. Refusing content coverage leaves any personal property in the building uninsured in a flood.
NFIP’s building property policy covers the cost to rebuild or the actual value of your home (whichever is less).
Personal possessions claims are paid based on actual cash value — not what you paid for them.
Things such as Jewelry, fur coats, collectibles are not covered and will require additional insurance.
Getting A Homeowners Insurance Quote
Quoting online with 1st Quality is quick & easy answer a few simple question, give us some information about your homeowners history & we will give you an accurate quote to consider.
What you will need to fill the quote online
Below are a list of items you will need to provide to get a homeowners quote from us online. The more accurate the information is, the more accurate your quote will be.
The year the home was built.
The desired amount of coverage you want to have for your home.
The purchase date of your home.
Current Homeowners Provider
Name of the insurance company you currently have your homeowners policy with.
Construction & Structure Type
You will need to provide th materials use in your homes construction and the type o structure.
Advantage of 1st Quality Insurance Agents
Our agents are here for you to make sure that all of your insurance needs are met. We will go the extra mile to make sure you are completely satisfied with our services. Let us help you find the right coverage today.
Our agents will try to find you the best coverages possible, without compromising coverages..
With access to some of th best (A,A+) Rated Insurance Companies, we have you covered.
All claims are to be reported directly to the insurance company, however, our agents will assist you with your claim if the need arises.
Explaining your coverage
Our agents will take the time to explain any questions you may have about your coverages.
When shopping your insurance, our agents will look to provide you with any eligible discounts.
Why choose 1st Quality Insurance Group?
We have over 25 years of insurance experience, local agents across 18 states and the ability to provide you a personal auto quote in minutes.
- Experienced licensed professionals.
- Fast auto insurance quote time.
- Personalized friendly service.
- Work with the highest (A) Rated Insurance Companies.
- Local community presence.