Consider it the roof over the roof over your head.

If you own a home, you need homeowners insurance. In fact, if like most Americans, you bought your home using a mortgage, you are probably required by your lender to have insurance. But even if you own your home free and clear, it’s a good idea to have homeowners insurance anyway.

Whether you’re buying your first home, moving into a larger house as your family grows, or even downsizing to a townhouse or condo as the kids go off, for most Americans purchasing a home represents their biggest financial investment. It’s also where your life unfolds, where the kids sit around the kitchen table telling you about their day, where you hold sweet sixteen and graduation parties, and where you converted that fourth bedroom into an office after deciding to work from home. Your home is filled with life’s milestones — all invaluable.

However, the house and property itself, and the possessions inside, do have a dollar value and represent your family’s hard work. Which is why you need the protection that only homeowners insurance can offer.

Delivering real value.

When considering insurance for something as cherished as your home, it’s important to work with a trusted advisor. Martin Insurance Group is that advisor. We will help you secure a homeowners insurance policy that covers your losses if your house or valuable possessions become damaged, destroyed, or lost. We’ll also help you determine the amount of coverage needed to safeguard your investment should someone get injured on your property.

At Martin, we’ll take the time to talk to you about the need for replacement cost if your house is damaged so that you understand what it would take coverage-wise should you need to rebuild. We’ll discuss your options to extend coverage for valuables, such as jewelry, fine art, or other collectibles that may need additional insurance depending on their worth. Our seasoned staff will also review with you the need for flood insurance as this important coverage is not included as part of most homeowners policies. And, we’ll review how an umbrella policy can enhance the liability limits on your homeowners policy — especially important in today’s litigious environment. We’ll review any exposures that may make you more vulnerable to potential loss and liability, such as having a swimming pool on your property.

Martin works with many top-rated insurance companies, which doesn’t tie us to any one program and gives you the advantage that independence provides. Call now to speak with a representative about your homeowners insurance. We’ve already helped many clients in New Jersey and Pennsylvania, including Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA, and have the experience and expertise to protect you and your family. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.