Buying a home is a big investment that you want to protect but, with all the options, it can be overwhelming. Whether you have a beachfront property, a historic home downtown, a cabin in the woods, or anything in-between, we are here to make sure you have a customized policy that fits your unique needs.

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What does homeowners insurance cover?

• Your dwelling: Your policy will cover the dwelling itself (foundation, walls, roof, etc.)

• Other structures: Included in your policy but separate from your dwelling coverage is “other structures.” This is coverage for structures that are on your property but separate from the home.

• Liability: A very important coverage on your home policy is liability. This provides protection when someone is injured on your property. It will pay out medical bills as well as legal expenses you may accrue resulting from the incident. The amount of liability will depend on the amount of assets you have.

• Personal property: If you imagine taking your home, turning it upside down, and shaking it, what would fall out? That would all be covered under your personal property coverage.

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The Cator Agency is specially trained in high-net-worth households and can help find the exact amount of coverage needed.

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There are many more optional coverages that you can add onto a policy. This is where our agents can step in to help create a policy that will have you fully protected.