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Homeowners Insurance


Homeowners Insurance Information

Request A QuotePlease contact us for your homeowners insurance needs.

Robert Lloyd Coutts & Sons shops all of the major insurance carriers to find the best New Jersey auto insurance rates for you.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage to your home is covered but there are exceptions. The most significant exceptions are damage caused by flood and earthquake.  You must buy a separate policy for flood however earthquake coverage can be added by endorsement.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. As your agent, we can help you understand what is covered and what optional endorsements are available. Be sure to read your policy so you know exactly what's included and what is not.

Things to consider:

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? 
  • Does the insurance company have a good reputation for customer service?
  • Is it known for paying claims fairly and promptly? 
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)  
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 
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