Should a fire or theft occur at your home, do you actually know if your home insurance policy will pay for the damages? For more than 25 years, the professional agents at Accredited Insurance Group in Omaha, NE, have taken the time to walk clients through the features of their insurance plans.

The team of coverage specialists offer the following information on what’s typically covered in different home insurance policies:

• Homeowners Insurance 1 (HO-1): This basic plan generally provides financial coverage for perils impacting the home and its possessions. Depending on the policy, the causes of the damage cover a wide range but tend to include explosions, fire, hail, lightning, smoke, theft, vandalism, and windstorms.
• Homeowners Insurance 2 (HO-2): You can call the HO-2 policy an upgraded HO-1 because it adds more scenarios of coverage such as damage caused by flooding stemming from appliances, heating and air conditioner units, plumbing, and sprinkler systems triggered by fire. The plan may also include falling objects, termite damage, and damage caused by electrical components inside and outside the home.
• Homeowners Insurance 3 (HO-3): Considered the most comprehensive form of home insurance, the HO-3 policy is designed to provide financial protection for a long list of perils. However, it does have some limitations.

Accredited Insurance Group takes a different approach to help clients choose the best home insurance policy for their needs. By looking at the preferred coverage, how much you want to pay for coverage, and setting customized deductible and premium limits, the friendly and knowledgeable agents will go to work for you to secure the right coverage for your home, condo, or rental property.

As a locally owned and independent insurance agency, Accredited Insurance Group is exceptionally skilled at providing reliable and affordable insurance policies. They’re guaranteed to be there should you ever need to file a claim for damages.

For free, no-obligation insurance quotes on home insurance, give Accredited Insurance Group a call today at (402) 334-1780. The agency serves residents of both Nebraska and Iowa. You can even visit the website to start the quote request process and learn more about other insurance policies.