Homeowners Insurance

Protect Your Greatest Investment!

Whether you're just starting out and need standard coverage or have contents that require specialized protections, Western Shelter Insurance is committed to taking care of the place you call home. Bounce back from any hailstorm, fire, flood or other loss with personalized protections for you and your family at highly-competitive and affordable rates! 
Your home is where you'll raise your children and entertain family and friends making memories that are priceless. Protect yourself where it matters most with homeowners' insurance.

Homeowners insurance is designed to reimburse costs associated with replacement or repair of your home from most major incidents including fire and storm damages. Contents are often covered by homeowners' policies, as well. Personal liability protection is the portion of your homeowners' policy that covers litigation costs and damages if someone gets hurt while on your property. 

Homeowners insurance is usually required by your bank or lending institution while they are listed as a security interest on your mortgage. 

The cost of your coverage is based on a standardized factor-rating system. The quality of your coverage, however, falls on the shoulders of your insurance agency and as to how your policy is scripted--named perils or all-risk. A named-perils policy provides coverage for any loss specifically listed in the agreement. All-risk policies offer a generalized coverage and only exclude items and/or instances specifically denoted like flood damage or unattached building and structures and lay the burden of proof on the carrier, if and when, a loss occurs. 

Homeowners insurance is extremely complex and needs to be handled by an expert. You can expect common sense and thoroughly-explained solutions from Western Shelter Insurance. Our team is here to answer any questions you have regarding homeowners' insurance and will help you obtain the coverages you need so that you and your family are fully-protected. 
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