Homeowner’s Insurance: How does it Work?

At Premier Public Adjusters, we understand that your home may be your biggest investment. That is why it is important that you provide maximum protection for it—including a homeowner’s insurance. Homeowner’s insurance gives a level of protection against sudden loss of property and personal belongings.

Basic Coverage

Basic homeowner’s insurance policies include coverage for fire and smoke, lightning, theft, ice and snow and frozen pipes. It also includes liability coverage in case someone suffers an injury in your home. For instance, your basic coverage will cover for any court fees associated with an injury. Finally, basic coverage will take care of your living costs if your house becomes uninhabitable due to one of the covered risks.


Every coverage has their particular exclusions; this is why it is important for you to read through your homeowner’s policy. Exclusions vary from one company to the next. Most insurance policies exclude damages due to flood, nuclear accident, war, earthquake or an act of terrorism. There are additional coverage that you can purchase to include these events.

Filing Claims

Always remember that you have certain rights when filing a homeowner’s claim. And these rights include access to your insurance policy in case it was lost and also access to your insurance claims report. You also have a right to challenge any denied claims.


Insurance companies use deductibles to reduce the amount of trivial claims. It is the amount of money you have to pay toward your claim before your insurance will pay. It is important that you understand what deductible you have on your homeowner’s policy. The higher your deductible is, the lower your homeowner’s policy premium will be.

Insurance Rates

Your insurance rate is determined by several variables. One of this is the location of your home. This is because some areas are more susceptible to floods, wind damages or crime rates. Other factors include the age, size and construction type of the home, as well as the value of your personal property and the amount of personal liability coverage you have.

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