Home Insurance FAQs

What are your home insurance coverage options?

• Property Insurance

• Homeowners Liability

• Renters Insurance

• Condo Insurance

• Mobile Home Insurance

• Scheduled Property Insurance

• Landlords Insurance

• In-Home Business Insurance

Why do I need home insurance?

Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.

While standard home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Sheets Forrest Draper Insurance about specific coverage options that are applicable to your individual needs.

What does a Homeowners Liability policy include?

With a Homeowners Liability policy from Sheets Forrest Draper Insurance, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

• Claims for property damage

• Claims for injury to others (either on or off the premises)

• Liability defense costs

• Medical expenses for injuries to others

What is Landlords Insurance?

The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:

• Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants

• Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury

• Legal counsel and fees in the event of a related lawsuit

• Additional expenses to make up for lost income if your property needs repaired through loss of use

What is Personal Property Insurance?

Property Insurance may insure your home from the following types of damage:

• Fire and Lightning

• Collisions from Vehicles or Aircraft

• Hail

• Sewer/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 a representative from Sheets Forrest Draper Insurance who can help you find the right policy.