Home Insurance - Chartered Financial Services in Warren NJ Your home is more than just a house. It’s where you make memories, live your life and, perhaps, start a family. It’s also likely to be your biggest single investment, so make sure you protect it — and your family — with a homeowners insurance policy. What is Home Insurance? A standard home insurance policy provides financial protection if your home is damaged by a hurricane or high winds, or if you’re the victim of vandalism or theft. The policy also provides liability coverage if you, or a pet, injures someone while they’re on your property. It’s important to understand that a homeowners policy doesn’t cover everything and not all policies are the same. Typically, home insurance does not cover damage caused by flooding or earthquakes, and it doesn’t pay for wear and tear damage. Coverage will also vary from company to company. Purchasing Home Insurance If you’re like most people and are financing the purchase of your home with a mortgage, you’ll be required to purchase home insurance before moving in. While it may be required, it can also be reassuring to know your policy protects your financial interests. An experienced agent can help you determine how much coverage you’ll need, and estimate the value of your home and your possessions. Most homeowners policies value your possessions at a percentage of your home's value. However, if you own collectibles, including jewelry, art or antiques, you should consider purchasing a separate endorsement or additional insurance that covers the value of those items. You'll also need to choose a deductible, which can range from several hundred to a thousand dollars or more. Choosing a higher deductible can help lower your monthly premium, but means you will have to pay more before your coverage begins. Finally, you’ll need to decide whether to purchase separate flood or earthquake policies, which are especially important (or possibly even required) if you live in a high-risk area. These specific disasters are not covered by a typical homeowners policy. Get Guidance Working with an agent can make purchasing home insurance a breeze. The professionals at Chartered Financial Services can help you understand different home insurance coverages, coverage levels and how exactly your policy protects you. Your house is your most important asset. It's your family headquarters, your sanctuary, and the place where you feel most comfortable and safe. You need to protect it, and that’s where we come in. A home insurance policy from Chartered Financial Services in Warren NJ helps make sure that your most valuable investment, as well as your personal possessions, is protected. That can mean peace of mind for you and your family. Finding the right coverage is important, but the right benefits included in your policy can also add a lot and help you save a lot. At Chartered Financial Services, our no fee home insurance benefits include emergency repair services, 24/7 claims assistance, and convenient online policy management. Call Chartered Financial Services in Warren New Jersey today at 800-549-6007 to learn more about homeowners insurance quotes and coverage or contact us if you have any additional questions.