Home Insurance

Your Belongings Deserve the Right Protection.

Your home is one of the largest investments you will make in your life time. Home insurance covers your investment from unexpected events. Some examples of unexpected events would be: fire, smoke lightening, wind, hail, water (not flood), and vandalism.


A  Dwelling:

This coverage is for the structure of your home. Watts Insurance Group recommends a replacements cost policy and this number to be at 100% replacement cost.

B Other Structures:

This coverage is for any structure that is not attached to your home and is usually 10% of coverage A. Examples: Fence, barn, shed, gazebo, pool, detached garage, play set, etc.

C Personal Property:

AKA all your “Stuff”. Everything in the house that would fall out if we turned it upside down. This number ranges from 50-75% of coverage A. It is also important to have replacement cost on this as well.

D Loss of Use:

Otherwise known as additional living expense which helps cover the cost of living somewhere else until your home in inhabitable after a claim.

E Liability:

Liability coverage is for damages that you do to other people. It also helps with legal defense. Examples of liability claims would be: dog bites, home accidents, falling trees, and intoxicated guests.

F Medical Payments:

This coverage is for emergency medical bills for their party injuries regardless of fault.

Your home is one of the largest investments you will make in your life time. Make sure you have insurance for your home to protect yourself from potential loss. Call us at (402) 261-3999 or email us at [email protected] for a free quote today!