Johnson Connor Agencies works as an Independent Insurance Broker to offer you a wide range of home insurance policies through established Insurance Underwriters who take the time to understand the needs of our clients.
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Johnson Connor Agencies, in Stettler and Red Deer Alberta, provides convenient payment options that will satisfy your needs. We offer a wide variety of payment plans including: monthly payments, three pay, bi-yearly, and full pay, to best suit your individual needs.
What does Home Insurance Include?
Home insurance is not mandatory to purchase but is required by most banks and financial institutions if a loan or mortgage is present on the property. Home owners insurance covers a wide variety of perils and is typically defined by what is excluded. The minimum coverage that all homeowners policies are required to have are fire, lightning and explosion, even though most policies cover much more. Homeowners insurance is used to cover property you own. Coverage can be extended to include things like boats, jewelry, trailers, hearing aids and other items of value which you would like insured separately.
Coverage on a typical homeowners policy is divided into sections. The first section is coverage on the dwelling. This is the amount of insurance specifically for your house. The next section is for detached structures. This includes buildings on the property that are not attached to the dwelling. This can include things like sheds or detached garages. Next is coverage for your personal property, this means the contents of your house. There is also coverage for additional living expenses if your house is inhabitable by an insured peril and coverage for liability issues that may arise.