FARM N HOME a division of Pierson and Fendley Insurance
If your home is damaged or destroyed, you need a high quality insurance provider to handle your claim. Pierson & Fendley can help you find individualized coverage that best meets your needs with fair pricing and superior customer service.
Whether you’re a home or condo owner, a renter, or a landlord, we will work to find a DeKalb home insurance policy that fits your needs. As an independent agency, we have access to many top rated companies to find you the best comprehensive coverage at a fair price. Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It can also cover you in the event someone is injured someone is injured while on your property and wins a legal judgment against you.
Options you select - Often homeowner insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
How much you want to cover - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
Where you set your limits - You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Consider an umbrella insurance policy that extends your coverage to help make sure you are covered.
No two homes are alike, so you will need to carry a homeowners policy that is customized to adequately safeguard your own property and the assets you want to protect. We will work to find you the best coverage for your needs.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is different. Talk to us today We have home insurance specialists for the Bonham and Fannin County area that can tailor a specific package to your needs and risks.