Homeowners

Home: Where Protection and Peace of Mind Reside

Your home is more than just a place to live; it's a valuable asset that deserves protection. At the Gansfuss Agency, we understand the importance of safeguarding your investment and ensuring that it can be replaced in the event of an unexpected disaster. Whether you reside in a grand mansion or a cozy cabin, we are here to assist you in securing the ideal insurance coverage for your unique needs.

As an independent agency, we collaborate with a diverse network of insurance companies that offer a range of coverage options. We take pride in providing you with choices, ensuring that you have the freedom to select the policy that perfectly aligns with your requirements.

We recognize that peace of mind is paramount when it comes to protecting your home. That's why we work diligently to understand your specific needs and preferences, tailoring our recommendations accordingly. Our team of experts will guide you through the available coverage options, empowering you to make an informed decision that allows you to sleep well at night, knowing that you have chosen the perfect protection for your home.

Whether you seek comprehensive coverage for a luxurious estate or specialized protection for a cozy retreat, we have the resources and expertise to fulfill your requirements. Our goal is to ensure that your home is safeguarded, providing you with the reassurance and security you deserve.

Trust the Gansfuss Agency to be your partner in protecting your most cherished asset. Contact us today, and let us assist you in finding the right coverage that will preserve the sanctity of your home.

Key Considerations When Purchasing Homeowners Insurance

When it comes to buying homeowners insurance, there are several important factors to consider to ensure you have the right coverage. Here are some key points to keep in mind:

Replacement Cost: The value of your home is not solely based on its market price but also on the cost to rebuild it. Typically, replacement cost is calculated the price per square foot, which can vary depending on the size and features of your home.

Personal Belongings: Your policy generally covers the contents of your home, such as furniture, electronics, clothing, jewelry, artwork, and even food in your freezer. However, if you have items that exceed the maximum coverage provided by your policy, it's advisable to list them separately and consider additional coverage for their protection, often available at a reasonable cost.

Liability Coverage: As a homeowner, you assume responsibility for any injuries or property damage caused by you, your family, or even your pets, as well as any injuries sustained by visitors on your property. If the value of your assets exceeds the liability coverage limits of your policy, it is recommended to consider an umbrella policy. This type of coverage extends beyond the limits of your primary policy and provides additional protection.

Additional Living Expenses: In the event of a covered catastrophic loss, such as a fire, that renders your home uninhabitable, you may incur significant expenses for temporary accommodation, dining out, and maintaining a sense of normalcy while waiting for your home to be rebuilt. With the appropriate policy, these expenses can be covered.

Flood Insurance: It's important to note that flood insurance is typically separate from standard homeowners insurance. If your property is located in a flood zone, you will likely be required to carry flood insurance to protect against flood-related damages.

Condo or Townhouse Considerations: If you own a condo or townhouse, specific factors can affect your insurance rates. For instance, the presence of permanently installed sprinklers or your responsibility for utility lines (such as water, power, and cable) entering your building may impact your coverage and premiums.

At the Gansfuss Agency, we understand the intricacies of homeowners insurance and can help guide you through the process. We will ask you the right questions to ensure you receive comprehensive coverage that protects one of your most significant assets. Your security and peace of mind are our top priorities.