Purchasing a home is one of the biggest investments you’ll ever make, which is why it’s essential to protect it with the right homeowners insurance. Keep your family and home safe with comprehensive coverage tailored to your needs. At The Warranty Zone, we compare rates from numerous providers across Oregon to find the best policy for your home, ensuring you get the protection you deserve at the best price.
What Does Homeowners Insurance Cover?
Signing up for a homeowners’ insurance policy can provide coverage for damage resulting from the following:
Damage from fires and smoke
Wind or hail damage
Frozen pipes that burst
Burglaries or damage to personal belongings
Water damage from a broken water heater, HVAC system, or other appliances
Falling trees or other objects that hit the structure
Lawsuits from people who get injured on your property
What Affects Your Home Insurance Rates?
The materials your house is made of, its square footage, and its age all play a significant role in determining your home insurance premiums. Additionally, factors like your neighborhood, past insurance history, and available bundling options can also impact your rates. No matter the type of home you own, homeowners insurance will help protect your property and everything inside it—including your family. At The Warranty Zone, we’ll help you find the right coverage at the best rate, tailored to your specific situation.
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At The Warranty Zone, we’ll provide personalized recommendations based on your unique situation to find you the best coverage at the best price. Whether you prefer to shop on your own or need assistance, our live Insurance Concierge® is here to help every step of the way.
Common Home Insurance Coverage Types
Most homeowners policies are "package policies" that provide coverage for both property damage and liability injuries, depending on the level of coverage you select. The most common types of homeowners insurance include:
Dwelling
Dwelling coverage is a critical component of your homeowners insurance, as it helps cover the cost of rebuilding or repairing your home after a fire, natural disaster, or other covered hazards. This coverage typically extends to the structure of your home, including any connected structures like a garage, shed, or porch. Having adequate dwelling coverage ensures that, in the event of damage or loss, your home and its connected structures are protected, giving you peace of mind knowing you’re financially covered. At The Warranty Zone, we’ll help you assess the right level of dwelling coverage to ensure your home is fully protected.
Personal Property
Personal property coverage protects the belongings you own inside your home, such as furniture, clothing, electronics, and other personal items. It’s highly recommended to add personal property coverage to your homeowners policy to help replace or repair your possessions in the event of a fire, burglary, or other covered loss. Without this coverage, replacing all your belongings out of pocket could be financially overwhelming. At The Warranty Zone, we’ll help you determine the right level of personal property coverage to ensure your valuables are protected.
Liability
Personal liability coverage protects you from lawsuits related to injuries or property damage that you or your family members (including pets) may cause to others. This type of coverage is crucial for safeguarding your finances in the event that you’re held responsible for an accident or injury on your property, or caused by your actions elsewhere. Depending on your policy, liability coverage can help pay for legal defense costs and cover any settlements or judgments awarded in a lawsuit. At The Warranty Zone, we’ll guide you through the best options to ensure you have the right level of personal liability protection.
The Warranty Zone is dedicated to making it easy for homeowners in Oregon and beyond to find the perfect insurance policy. With a focus on technology and innovation, we’re transforming the insurance shopping experience to make it more transparent and accessible. Our team works closely with you to understand your needs and secure the best deal available. Contact us today at 1-800-211-8660 or fill out our form to get a free quote and start protecting your home.