Homeowners Insurance

Your home is full of everything you value—your family, belongings and maybe a pet. Without insurance, an unfortunate event could affect your valuable assets. Homeowners insurance can help you financially recover if a fire, theft or other covered incident occurs.

Homeowners insurance is the financial safeguard you need to protect your home and belongings. Family-owned and operated, Eckenrode Financial Services, LLC helps preserve the hard-earned assets of the Martinsburg, West Virginia community, and we can also help to keep your assets secure.

What Does Home Insurance Cover?

Home insurance provides essential protection for your home and possessions. Usually, a homeowners insurance policy includes these important coverages.

·        Coverage for your belongings may pay for replacing or repairing furniture, clothing, sports equipment and other personal items stolen or destroyed in an insured tragedy. If you own expensive items, you may want to add a personal property endorsement or floater to insure these items for their appraised value.

·        Coverage for your home’s structure may help pay to repair or rebuild a home if it is damaged or destroyed by a covered incident.

·        Liability protection may help cover medical bills and lawsuit costs for bodily injury or property damage that you or your family members cause to others, as well as third-party injuries sustained on your property.

·        Additional living expenses may help pay your costs if you need to live elsewhere due to damage to your home from a covered event. This coverage may include hotel bills, restaurant meals and other living expenses up to your policy’s limits.

How Much Home Insurance Do I Need?

Standard homeowners insurance typically protects your home’s structure, including fixtures, plumbing and heating. Generally, it would be best to consider buying enough insurance to cover the costs of rebuilding or repairing your home. We can ensure that your policy provides sufficient coverage to recover from an unfortunate event.

How Do Home Insurance Claims Work?

If something unfortunate happens and you need to file a home insurance claim, you should immediately contact your insurance agent. Because insurers use various claims processes, your insurer may have specific steps you will need to follow to begin their process. Generally, you will need to file a claim form with your insurer and give them all the necessary documents about the event. They will then work with you to settle your claim, enabling you to get estimates and make repairs or replace damaged or stolen items. If your claim is due to a crime, such as a robbery, you should immediately contact your local police.

Safeguard Your Livelihood

Eckenrode Financial Services LLC can help protect your financial livelihood with suitable homeowners insurance and any additional coverage you may need for more expensive items. Call our team at 304-267-2100 to start your homeowners policy.