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Home Insurance in Bluffton, IN, Decatur, IN, New Haven, Portland, IN and Surrounding Areas

Home Insurance in Bluffton, IN, Decatur, IN, New Haven, Portland, IN and Surrounding Areas

Types Of Home Insurance Policies You Can Avail 

Home insurance policies provide financial protection against damage or loss to your home and belongings. Bixler Insurance provides home insurance in Bluffton, IN, Decatur, IN, New Haven, IN, Portland, IN, Geneva, IN and surrounding areas. 

These are the common types of home insurance policies you can avail of: 

  1. Basic Fire and Allied Perils Insurance

This policy covers damages caused by fire, lightning, explosion, and other allied perils like storms, floods, or earthquakes. It is a fundamental form of home insurance that provides essential coverage. 

  1. Standard Homeowners Insurance (HO-3 Policy)

One of the most popular policies, it offers coverage for the structure of the house, personal belongings, and liability protection. It covers damages due to natural disasters, theft, vandalism, and more, except for explicitly excluded events. 

  1. Comprehensive Home Insurance (HO-5 Policy)

This policy provides broader coverage than the HO-3 policy, covering personal property on an open-perils basis, meaning all risks are covered unless specifically excluded. 

  1. Renters Insurance (HO-4 Policy)

Designed for tenants, this policy covers personal belongings, liability, and additional living expenses in case of damages, but it does not cover the building itself, which is the landlord’s responsibility. 

  1. Condo Insurance (HO-6 Policy)

This policy is specifically for condominium owners, covering personal property, interior structures, and liability protection, while the condo association’s insurance covers the building’s exterior and common areas. 

  1. Landlord Insurance

For property owners renting out their homes, this policy covers structural damage, liability, and loss of rental income in case of property damage. 

  1. Mobile Home Insurance

This is tailored for mobile or manufactured homes, covering physical structure, personal belongings, and liability. 

Choosing the right home insurance policy depends on your property type, location, and specific coverage needs. 

If you need assistance, we’re just a phone call away.