Strength & Stability for your Home

Your home is your sanctuary. It's a dependable shelter that protects you and your family, and it's where memories are made. For most people, a house represents the biggest financial and emotional investment they'll make in a lifetime. With the right Property Insurance plan, you can protect both your investment and your personal property from whatever life may throw your way.

property insurance options to consider

Every Property Insurance policy is different, and at Kwan Insurance Services, we'll work with you to make sure that your policy fits the needs of yourself and your loved ones. Property Insurance may insure your home from the following types of damage:

  • Fire and lightning

  • Collisions from vehicles or aircraft

  • Hail

  • Sewer and/or drain backup

  • Windstorm

  • Vandalism

  • Volcanic Eruption

  • Smoke

  • Freezing conditions or snow

There are many additional coverage types that are available to safeguard your home and belongings, and it's important to talk with one of our agents at Kwan Insurance Services who can help you find the right policy. 

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing. Other items that may be included are Builder's Risk while your home is being constructed or reconstructed, and insurance for damage to pertinent/detached structures. 

Another important feature to consider in your Homeowner's policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a "total loss," this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it's important to discuss your individual insurance options with one of our agents before making a decision.