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Why Home Insurance Matters
Your home isn’t just four walls and a roof—it’s your safe haven, the place where life’s best moments happen. But what if the unexpected happens? A fire, a storm, or even a break-in could turn your world upside down in an instant.
That’s where home insurance from Craven Insurance comes in. It’s not just about protecting bricks and mortar—it’s about safeguarding your family’s financial future, ensuring that when disaster strikes, you’re covered.
What Does Home Insurance Cover?
A good home insurance policy does more than just rebuild walls; it helps you get back on your feet. Here’s what’s typically covered:
Fire & Smoke Damage
Protects your home from damage caused by fire and smoke.
Storm & Lightning
Covers damage from storms, lightning strikes, and high winds.
Theft & Vandalism
Protects against loss due to burglary and vandalism.
What Affects Your Home Insurance Premium?
Your home insurance rates aren’t random—they’re based on factors that determine risk and coverage needs. Here are some of the biggest factors:
- Location: Homes in areas prone to wildfires, hurricanes, or crime typically cost more to insure.
- Home Value: Higher-value homes require more coverage, increasing premiums.
- Age of Home: Older homes may have outdated electrical or plumbing systems, raising risk.
- Security Features: Homes with security systems, deadbolts, and smoke alarms may qualify for discounts.
Take a look at how average annual premiums vary based on home value:
| Home Value | Average Annual Premium |
|---|---|
| $150,000 - $250,000 | $1,200 |
| $250,000 - $400,000 | $1,800 |
| $400,000+ | $2,500+ |
How to Save on Home Insurance
We know insurance is an important investment, but that doesn’t mean you should pay more than necessary. Here are some ways to keep your premiums down:
Install Security Systems
Adding monitored security can reduce your rates.
Upgrade Your Home
New roofing and electrical updates can lower risk.
Bundle Your Policies
Combine home and auto insurance for extra savings.
Get the Right Coverage Today!
Your home is more than an investment—it’s your sanctuary. Make sure it’s protected with a reliable home insurance policy from Craven Insurance.
Call us at 360-341-7200 or click below to get a personalized quote today!
Request a Quote