Boardwalk Insurance Group | Auto, Home, Commercial, Life and Health Insurance for Residents and Companies in the United States

TAG | home insurance

Boardwalk Insurance Has Homeowner’s Insurance 4.33/5 (86.67%) 6 votes

Purchasing and owning a home is considered a milestone achievement in everyone’s life.  The amount of investment involved in purchasing and maintaining a home makes protecting it from loss an expensive proposition.  Thankfully, homeowners insurance can be taken out on your property, giving you peace of mind that you are protected from many types of loss and will be able to recover.

Homeowners insurance is a broad type of insurance that covers pretty much any type of dwelling where a person lives.  There are many different options providing protection from varying types of hazards.  The cost of homeowners insurance is determined by the value of the property, the type of coverage, and any additional riders, or insured property, attached to the homeowners insurance.  There are other factors, mostly relating to how likely damage appears possible.  If your home is closer to a fire station or has hurricane shutters in a hurricane prone area, the cost of getting homeowners insurance decreases.

Unless you plan on buying your house outright, you will need to take out a mortgage.  Mortgage lenders always require homeowners insurance, so even if you were trying to get around getting homeowners insurance, you will need it until your home is paid off.  Which type of homeowners insurance is taken out is up to the new homeowner and can be adapted to many different situations.  Basic homeowners insurance provides coverage from 11 perils that are specifically listed in the homeowners insurance policy.  The perils are pretty basic, however they are common sources of damage and include fire, wind and hail damage, vandalism, theft, and other causes of damage.  A broader version of homeowners insurance adds an additional 6 perils to the original 11.  Like basic homeowners insurance, this expanded homeowners insurance only protects from listed perils.  The broadest forms of homeowners insurance name excluded perils instead of protected perils.  These homeowners insurance policies are the most comprehensive and most expensive due to the broad range of coverage.

For those that rent property instead of own, there is a form of tenant homeowners insurance that protects personal property with the same amount of coverage as regular homeowners insurance, however it does not need the structural coverage, which should be covered by the building’s owner.  Similar to tenant homeowners insurance, condominium homeowners insurance has reduced coverage for the structure but protects the personal property inside like regular homeowners insurance.  The last “special case” homeowners insurance available is called “Modified Coverage” homeowners insurance.  This type of homeowners insurance is for properties where the replacement value exceeds the market value.  This is great for unique properties that are custom designed with one of-a-kind fixtures or older properties where some of the structural features are no longer available or cost prohibitive to produce.

Homeowners insurance is extremely important to protect your property.  However, many insurance providers offer homeowners insurance, and finding the best one for you and your property can take a lot of time and effort.  Partnering with an independent insurance agency allows you to sit back while your agent does the shopping for you.  Through their affiliated insurance providers, independent insurance agencies have the ability to shop around for the best homeowners insurance for you and your property.

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Dec/10

27

Cheap Homeowners Insurance

Cheap Homeowners Insurance 4.33/5 (86.67%) 3 votes

These days, everyone is looking to save money where they can.  While there are expenses which can be completely cut out, things such as your mortgage or rent, insurance coverage, grocery and more are required no matter what your financial situation is.  It may seem like there is nothing you can do about these expenses, but you may be surprised.

For example, many insurance companies have raised their rates over the last several months.  You may have become victim to this upon seeing your renewal quotes.  However, what your company and agent may not tell you is that there are several companies which have also lowered their rates.

Whether your homeowners insurance premium has increased or remained about the same, you owe it to yourself to shop around to see if there are opportunities to keep some of your hard-earned money in your pocket.  Insurance agents, like those who work at Boardwalk Insurance, will gladly prepare quotes for you to review at no charge with several companies.

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May/10

7

About Boardwalk Insurance Group

About Boardwalk Insurance Group 5.00/5 (100.00%) 1 vote

Boardwalk Insurance Group is an independent insurance agency founded in January 2008.  Since then, the agency has expanded to 5 locations and is presently licensed to sell insurance polices in 13 states.  This rapid but responsible growth is attributed to their use of technology, drive, focus, outstanding customer service and the insurance companies they represent.

If you are an individual or business searching for an insurance policy and you are located in Arkansas, California, Florida, Georgia, Illinois, Kansas, Louisiana, Minnesota, Missouri, New Jersey, Oklahoma, Texas or Wisconsin, Boardwalk Insurance Group is here to serve you.  We won’t bog you down with any aggressive sales people or fill up your inbox with marketing emails.  Our sales process is fast, simple and straight-forward and we prove our worth to you by offering you access to tools that no other agency can provide.

We specialize in all lines of insurance including:

Auto Insurance (auto liability insurance, full coverage auto insurance, commercial auto insurance, business auto insurance)

Home Insurance (homeowners insurance, dwelling insurance, dwelling fire insurance, renters insurance, condo insurance, hazard insurance)

Commercial Insurance (commercial general liability, contractors liability, commercial property insurance, hotel insurance, motel insurance, insurance for office buildings, insurance for shopping centers, marine insurance, builders risk insurance, insurance for gas stations, insurance for convenience stores, insurance for apartment complexes, insurance for retail stores, workmans comp insurance, workers comp insurance, professional liability insurance, errors and omissions insurance, e&o insurance, commercial real estate insurance, and much more)

Life Insurance

Health Insurance

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