Sleep Soundly Knowing Your Home Is Protected

Secure a low rate on homeowners insurance in Point Pleasant, NJ

Your home is likely one of the largest investments you'll ever make. But the value of your home, and all of the personal belongings you place inside it, could be lost from damaging weather, fire or burglary. Life often throws curveballs our way. Make sure you're ready by purchasing home insurance from Ward Agency, Inc. in Point Pleasant, NJ.

We've been a trusted source for homeowners insurance for over 60 years. That's experience and consistency you can count on. Call today to see which type of home insurance policy might be best for you.

Know the basics about homeowners insurance

Know the basics about homeowners insurance

Homeowners insurance isn't a luxury-it's a necessity. Most mortgage companies won't hand out a loan without proof that the property is covered. Here are a few of the basics you should know about home insurance:

  • There are three basic levels of coverage: actual cash value, replacement cost and extended replacement value.
  • Your rates will be determined by factors like: past claim history, property location and the home's current structural integrity.
  • Most policies generally cover: damage to the interior or exterior, theft of possessions and personal liability.

If someone slips and falls on your property, most home insurance policies will cover the cost of a lawsuit. For more answers to your questions about home insurance, reach out today for a consultation.