Home is where the heart is. Protect it.


Suppose you’re shopping for a new car. It’s going to be your family car, so you’re not only concerned with cost, but with safety as well. Many safety features, such as extra airbags, Electronic Stability Control (ESC), and tire-pressure monitoring systems are options that you have to spend a little bit more to get, but you opt to purchase anyway in order to keep your precious family safe if you’re ever in an accident. Hopefully, these features will never be used, but you can rest a little easier knowing that you’re driving a safer vehicle.

Homeowners insurance is a lot like buying a family car. There’s your “basic” plan (known in insurance lingo as HO1), which offers a lot of coverage, but probably not as much as you want in order to ensure that your home is safe in the event of damage. Then there’s the higher levels of coverage, called “broad form” (HO2) and “special form” (HO3), which are a lot like buying the car with antilock brakes or extra airbags; hopefully you’ll never have to use the extra features, but if that time comes, you will be very glad you spend a little more to get safer coverage.

Homeowners insurance is made up of several building blocks, so don’t assume that purchasing the basics will cover your losses come claim-time. For example, did you know that you might need additional coverage for outbuildings, such as a detached garage or storage shed? Or that your liability might not cover a delivery person who slips on ice while delivering a package to your home business?

Between the terminology and all of the exclusions, navigating the waters of homeowners insurance can be tricky and confusing. Thankfully, Smart Planning Insurance Group has a dedicated staff of agents who are here to help you find the most appropriate coverage for your home and possessions.

Did you know that there are many discounts available to homeowners as well? Depending on the insurance carrier you choose, you may get discounts for installing a home security system, fire, smoke, and carbon monoxide detectors.

Contact our renters/homeowners insurance specialist today: