Home Insurance

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“Brett is a guy who genuinely cares for his clients, and wants to help them as much as he can. He’s honest and upfront, and not about just selling you a policy that is basic. He takes the time to get to know you and will craft coverage that fits you and your family the best way! I cannot recommend him enough! Hard to find someone these days who believes in the level of service he does! You won’t be disappointed!”

Heather R.


“Brett Mehl is great to work with! He was very responsive and worked hard to get us the best coverage! He is responsive and always answers the phone. We highly recommend him”

David C.


“Brett is awesome! Would recommend anyone that is currently searching for an agent to give Brett Mehl a call.”

Michael F.

Most people are often surprised at what their homeowners insurance actually covers.

We help our clients discover possible coverage options and saving opportunities in our opening consultation. Working closely with Mortgage companies and loan officers, real estate agents and referrals from satisfied clients, we take pride in sharing our knowledge and expertise in the aspects of covering your home.

Homeowners insurance is a type of insurance policy that helps protect a person’s home and personal property in the event of damage or loss. The policyholder pays a premium to the insurance company, and in exchange, the company agrees to pay for certain types of losses or damages that may occur.

Homeowners insurance typically includes several types of coverage:

  • Property coverage: This covers damages to the physical structure of the home, such as from fire, natural disasters, or theft.
  • Liability coverage: This covers the policyholder’s legal responsibility for injuries or damages that occur on the property.
  • Personal property coverage: This covers damages or loss of personal belongings such as furniture, electronics, and clothing.
  • Additional living expenses: This covers the additional costs of living somewhere else if the policyholder’s home becomes uninhabitable due to a covered loss.

The cost of the policy is determined by a variety of factors, including the location of the home, the age and condition of the home, and the coverage limits chosen. Some policies also include endorsements that can provide additional coverage for specific types of perils, such as floods or earthquakes.

There are several common occurrences that can affect homeowners, and that can be covered by homeowners insurance. Some of the most common include:

  • Fire: This can be caused by a variety of factors, including cooking accidents, electrical malfunctions, and natural disasters.
  • Natural disasters: This can include events such as hurricanes, tornadoes, earthquakes, and floods.
  • Theft: This can include both burglaries and vandalism.
  • Water damage: This can be caused by leaks, pipe bursts, or heavy rain.
  • Liability claims: This can include injuries that occur on the property, such as slip and fall accidents.
  • Weather-related damage: this can include damages caused by wind, hail, ice, snow, and sleet.

It is important to note that not all policies cover all types of perils, and some policies may require additional endorsements to provide coverage for certain types of occurrences. Therefore, it is important for homeowners to understand their policy and what is covered to ensure that they are adequately protected.

One important aspect of homeowners insurance is understanding what is and isn’t covered. For example, most policies will not cover damages caused by normal wear and tear, or damages caused by lack of maintenance. Additionally, certain types of damage may not be covered by default, such as damages caused by floods or earthquakes. Homeowners should always be aware of the exclusions in their policy and consider purchasing additional endorsements if they are concerned about certain types of damage.

Another important aspect of homeowners insurance is understanding the coverage limits. Coverage limits refer to the maximum amount of money that an insurance company will pay out for a specific type of coverage. Policyholders should choose coverage limits that will provide enough protection in the event of a large loss, but also keep in mind that choosing higher limits will increase the cost of the insurance policy. Policyholders should always consider their budget when choosing coverage limits.

Homeowners insurance is not mandatory, but it is highly recommended. In the event of an unexpected event, such as a fire, a natural disaster, or a break-in, homeowners insurance can help cover the costs of repairs and replacement of damaged property. Without homeowners insurance, homeowners would have to pay for these costs out of their own pocket, which could be financially devastating.

When choosing homeowners insurance, people typically consider several important factors, such as:

  • Coverage limits: People will want to make sure that their policy provides enough coverage to fully protect their home and personal property in the event of a loss.
  • Premiums: People will want to compare the cost of different policies to find one that is affordable and fits their budget.
  • Deductibles: People will want to consider the amount of the deductible, which is the amount they will have to pay out of pocket before their insurance kicks in.
  • Additional coverage: people will want to consider if they need additional coverage, such as flood or earthquake insurance.
  • Discounts: People will want to look for any discounts that they may qualify for, such as a multi-policy discount or a discount for installing safety features in their home.
  • Reputation and Financial stability of the insurance company: People will want to choose a reputable and financially stable insurance company that has a good track record of paying claims promptly and fairly.
  • Policy endorsements: People will want to check if their policy includes any endorsements or riders that they may need to cover specific events or valuables.
  • Claims process: People will want to understand the claims process, how to file a claim, how claims are handled and what are the expected timelines for resolution.