Home Insurance

Available in all 50 states

Bankers Insurance is an independent insurance agency, so you know we have your best interests at heart. We aren’t tied to only one insurance company, but will quote your home insurance with many and present your best options to you.

Why wait until your policy renews?  Call (877) 606-1375 today.

We Offer

  • Expertise with prompt, courteous service.  Each one of our clients is assigned an agent in our office and given their email address along with a phone number that rings right on their desk.
  • Many insurance companies available
  • Best prices in the industry
  • Single policies or packages with auto
  • Many deductible options, you choose
  • Discounts apply

 We can insure

  • Any size or value
  • New or old homes
  • Coastal, even pier foundations
  • Stick Built, modular, or mobile
  • Seasonal Homes
  • Secondary Homes
  • Rentals
  • Farms

Speciality

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At Bankers Insurance, the client is always in control.

Enjoy your home.  Let us ensure it is properly protected.

We offer home insurance from many national and regional carriers. As an independent insurance agency, we want you to have the best coverage at the lowest price. Why waste time talking to several different companies who can only give you one option each? With Bankers, you communicate with one agent who will shop your coverage with the best companies available and present you with your quotes. We are your independent advocate.

And should you decide to put coverage into effect, you will be assigned an insurance agent in our office, given their email address, and a phone number that rings on their desk. Every home is different. How much and what kind of coverage is right for you? Lean on us to provide answers to your toughest questions. Let us be your trusted insurance agent.

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Home Insurance Coverages

home insurance dwelling structure

Home

  • The main dwelling – the residence on the premises.
  • Other structures attached to the dwelling, such as a garage.
    • If only attached by a fence or utility line, such a structure would be covered under the Other Structures portion of the policy.
  • Equipment permanently installed in the dwelling, such as
    • heating systems
    • central air
    • water heater

home insurance other structures

Other Structures

Buildings or structures separated from the main dwelling. These may be connected by sidewalk, utility, or fence, but are still considered separate structures. Coverage for them is usually set to 10% of the main dwelling, but can be increased. Be sure to obtain adequate coverage.

  • Detached garage
  • Swimming Pools
  • Barnes & Stables
  • Outbuildings

home insurance contents

Contents and Personal Property

Items in the home, not a part of the structure.

  • Furniture
  • Appliances not permanently attached (washer, dryer, refrigerator)
  • Tools
  • Garage contents (no cars/boats)
  • Decorations, artwork
  • Antiques, art, jewelry, and collections are subject to limitations, but can be increased.  See Coverages Commonly Increased below.

home insurance other coverages

Coverages Commonly Increased

Most homeowners insurance policies include limitations on high-value items. Increased coverages are available. Let your agent know if you have concerns regarding coverage for:

  • Fine arts
  • Antiques
  • Jewelry, watches, furs
  • Firearms
  • Silver (including silverware), gold, bullion, and currency
  • Securities, accounts, deeds
  • Watercraft

Home Insurance Liability

Personal Liability

One of the most valuable and least expensive coverages offered by homeowners insurance is personal liability. It protects you against bodily injury or property damage (hurting someone or something). For example, if a bannister were to give way and a guest be injured, a court could hold you liable. The personal liability portion of your home insurance policy would protect you. This coverage is not limited to your premises. In another example, if while visiting a museum your child knocks over a stand, destroying the display and injuring someone, this coverage would respond. We suggest limits of at least $300,000 and strongly recommend personal umbrella insurance of $1,000,000 or more.

Other Coverages

Homeowners insurance policies are not all the same.  Many include the following coverages, subject to limitations, or allow them to be added.  Review your policy or ask your agent if any of these items spark interest.

  • Loss of use:  Additional living expenses such as temporary rental of an apartment or other premises while repairs are performed. If the dwelling is regularly rented, loss of rental income is considered a part of this coverage.
  • Contents 0ff premises:  Possessions in a storage unit, offsite, or in a vehicle.
  • Identity theft:  Repair damage a result of theft of your identity, including credit monitoring.
  • Debris removal:  Expenses to haul away damaged property.  For example, if a home caught fire and was declared a total loss, this coverage would pay to remove the old structure before construction could begin.
  • Tree removal:  Most policies cover the removal of a tree from off the dwelling only. In other words, if you have a big yard and a tree falls in it, your policy does not cover removal of such trees.
  • Fire department service charges
  • Property removed to prohibit further damage
  • Credit card theft, forgery, alteration

Items Not Covered

There are always exceptions, but most home insurance policies do not cover the following:

  • Trees and shrubs
  • Vacant Land – however liability for vacant land or other properties can commonly be added to an insurance policy.
  • Any property used for business
  • Any liability associated with a business
  • Animals, birds, or fish
  • Motor vehicles
  • Aircraft
  • Property of tenants
  • Damage due to earthquake.
  • Damage due to flood.  See our Flood Insurance page.

Common Questions

Q:  What’s the difference between Insured Value on my home insurance policy, and the market value of my home?

A:  Home insurance is concerned with putting your home back the way it was – the cost of repairing or replacing the home. Depending upon your area, the market value may be significantly higher or lower.  If the market is low in your area, homes are likely selling for less than what they would cost to build.  In such a situation, the insured value of your home will be higher than the market value. Why? Because if your home is destroyed, you still need to build it back. That is what the insurance policy does. The opposite can also be true, depending upon where you live.

The main idea is to insure your home for what it would cost to replace your home, so replacement cost is your goal.  If you don’t know, ask a qualified contractor for an estimate.  We can certainly provide guidelines, but nothing beats a contractor’s expertise.

Q:  Am I penalized if I underinsure my home?

A:  The goal of insurance is to put your home back the way it was before the claim occurred. Insurance policies are built upon the assumption the coverage is adequate to do so. Thus, an underinsured penalty can occur if enough coverage was not purchased. There are allowances since most penalties do not kick in until you are underinsured by more than 20%. Check your policy to be sure or ask your agent for details. Reference these posts for more information:

Visit our Questions and Answers page for more homeowners FAQs.

 

Discounts

When purchasing homeowners insurance, coverage is important, but cost is a major factor.  Discounts offered by many insurance companies are a means of rewarding clients with lower premiums.  Besides deductible options, there are other means to help keep your home insurance costs down.  A few of the most popular credits include:

  • Auto insurance with the same insurance company
  • Smoke Alarms, burglar and filre alarms, or sprinkler systems
  • Deadbolt locks
  • Good claims history
  • Good payment history
  • Are a senior
  • Many others

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be home insurance experts.  Take advantage of our experience.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific home.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: