Home Insurance

The moment you buy a home, you want to protect your investment. Home insurance can be customized to meet your individual needs. With a bit of help from our independent agents at Modern Benefits, LLC, we’ll see to it that you have the right amount of coverage.

Is home insurance required?

Although your state may not require you to maintain home insurance, your mortgage company will. Only after you have paid your home off in full do you have the choice to decide whether you want coverage or not.

If your home is paid in full, it’s still important to have coverage so that you have financial protection in place. Otherwise, a fire or other disaster could leave you homeless with no funds to make repairs or a replacement.

What’s included in home insurance?

Although home insurance policies are built to your needs, there are some things that are standard in every policy. You will have coverage to include:

  • Dwelling
  • Personal belongings
  • Loss of use
  • Liability

Once the basics are taken care of, then it’s about looking at how you can customize your policy. You will want to look at all that’s on your property, such as detached garages and swimming pools. Then, look inside your home. High-value items may need a rider so that you’re covered against any kind of loss or theft. Additionally, if you host a lot of parties, you may want more liability in case someone gets injured at your home.

With our independent agents, we can talk to you about ways to protect against all the “what if” scenarios you could find yourself up against.

Talk to our agents at Modern Benefits, LLC today. We’ll help you build home insurance that you can count on.

Our insurance agency is licensed in multiple states, including NJ, PA, DE, and MD. We want to help you with all of your insurance needs, no matter where you live.