A home is an investment that has to keep on giving for generations—and anything worth putting that much time, effort, and devotion into is worth insuring. That's where The Pinnacle Agency in Lincoln, NE, enters the picture. Whether you're looking for a house to call home, a farm for sale, land for sale, or ranch sales, their team can help you get there.
In general, homeowners insurance is designed to guard against losses brought about by theft, vandalism, fire, etc. However, you can also find policies that cover damages caused by natural disasters like earthquakes and floods.
Most policies will cover all household replacement or repair costs, as long as said expenses don't exceed the amount of your home's actual cash value—a system otherwise known as “replacement cost minus depreciation.” In some cases, this kind of coverage is adequate. But it's also always better to be safe than sorry—and that's why many homeowners choose to purchase additional coverage, just in case the costs of their damages go over budget.
Homeowners insurance is designed to cover the loss of personal possessions, too. Furniture, appliances, tools, clothing, and jewelry are all examples of items that can be insured; but it's advisable to document all such possessions by way of photographs, written lists, or a videotaped walk-through of your home.
To sum it up, your homeowners insurance premiums will depend on a variety of factors, including the age of your home, the location of your home, and your own insurance history. But when you go through The Pinnacle Agency, you'll be able to rest assured that you'll have access to the best, and most affordable, options on the market. And that means peace of mind for you and your loved ones, alike.
To find out more, contact The Pinnacle Agency at (402) 875-0361—and start making sure that the house you've come to call home stays “safe as houses!” For more information, visit their website.