Homeowners Insurance

Homes are investments in time, love and money. Your house is where you can relax and enjoy time with loved ones, surrounded by your personal belongings. If something unfortunate happens, it could endanger your entire household property. Home insurance can give you peace of mind, giving you invaluable protection.

Eckenrode Financial Services LLC is here to help you with your home insurance needs. Give us a call today to see what we can do for you.

What Does Home Insurance Cover?

Home insurance protects your home and possessions if there is loss or damage from a covered event, such as a fire. Many home insurance policies also provide additional living expenses (ALE) coverage if your home is uninhabitable and you need to live elsewhere because of an insured loss. Eckenrode Financial Services LLC can ensure that your insurance policy has the proper coverage to protect your investment.

How Much Coverage Should I Have?

The amount of home insurance you need depends on your circumstances. Standard homeowners insurance offers protection from damage to a home’s structure, including fixtures, plumbing and heating. It would help if you bought enough insurance to cover rebuilding or repairing your home, minus your land cost. You may need more coverage if you have luxury belongings or high-risk items, such as a swimming pool or trampoline. We can help determine how much coverage you should have.

What Does a Home Insurance Policy Cost?

The cost of home insurance depends on numerous factors, including:

·        The amount of coverage you want

·        Your deductible

·        Your home’s price and the cost to rebuild it

·        Your home’s age and condition

·        Your home’s security and safety features

·        Where you live

·        Your credit history

·        Additional insurance you want to add

What Other Insurance Should I Have?

Your home insurance should cover various types of damage or loss. However, your home insurance policy won’t cover damage caused by natural disasters, such as flooding or earthquakes. If you live in an area prone to these events, you may want to buy additional flood insurance and an earthquake insurance policy. In addition, many home insurance policies won’t cover issues such as termite and insect damage, rodents or mold. We can help you determine what your home insurance policy covers to add additional insurance that may be beneficial for your home.

We Can Help

Eckenrode Financial Services LLC provides Martinsburg, Charles Town, Inwood, Hedgesville, Hagerstown, and Winchester, West Virginia residents with home insurance. We can review your home and insurance needs to get you an appropriate policy. Call us at 304-267-2100 to get started.