Home Insurance

Homeowners insurance can help protect you from the unexpected. If your home is damaged, your
belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, legal fees and more.

Why Do I Need a Homeowners Policy?

A homeowners policy is recommended for anyone who owns a home or condo and may even be
required by your mortgage lender. You will need separate coverage to help protect your home and
personal belongings against damage due to floods or earthquakes.

If the unexpected happens, home insurance can help you restore your life back to normal.

Homeowners Insurance Coverages

We offer home insurance coverages for your house and personal property, including:

  • Dwelling coverage for help protecting your home and any structures attached to it. Dwelling Coverage also helps cover your home’s internal systems, like its plumbing and wiring.
  • Other structures coverage, which helps protect structures that are not attached to your home. So, if a tree branch falls on your detached garage, other structure coverage’s can help pay for the repairs.
  • Personal property coverage, which can help protect your personal possessions in your home. Let’s say your furniture gets damaged from a covered loss and needs repairs, personal property coverage can help.
  • Loss of use coverage for help paying temporary housing expenses if you can’t live in your home for a period of time due to damage.
  • Personal liability coverage to help protect you if a guest gets injured at your home and you’re found legally responsible. If you damage someone else’s property, personal liability coverage can also help pay your legal defense.
  • Medical payment coverage, which helps pay expenses if someone is injured on your property. So, if a guest breaks their leg at your home, this coverage can help pay their medical bills.

Your home and property are important to you. We know that and are here to help keep them protected with benefits like:

Additional limits coverage to help with the cost to build your home if it’s deemed a total loss. Full replacement cost coverage pays the cost to rebuild it, up to 125% of your coverage limits, but depending on where you live, a coverage limit of up to 150% may be available.

What Does Homeowners Insurance Cover?

A EC INSURANCE COMPANY representative can help you determine the homeowners coverage that best fits your needs and budget, but a typical policy can cover:

  • The structure of your home
  • Other structures on your property (e.g. garage, shed)
  • Your personal belongings
  • Additional living expenses if you cannot live in your home due to a covered loss
  • Your personal liability or legal fees
  • Limited valuable items (extra coverage can usually be added)

Be sure to explore options to customize your limits and coverages to meet your needs. Your homeowners insurance policy includes coverages in the following categories to help ensure your home and assets are appropriately protected.

How to Get A Homeowners Insurance Quote

To get an accurate homeowners quote from EC INSURANCE COMPANY, you’ll need a few pieces of information, including:

  • Your home’s features. We’ll ask for details such as when were your roof and utilities last
    updated, and what type of construction your home is.
  • The way you use the home. We’ll need to know if it is your primary home, or a secondary
    or rental home.
  • Your current homeowners insurance coverage. We’ll get a better insight into your
    insurance needs when you share your current provider information and how long you’ve
    been insured.
Get a Quote
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