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Hello from beautiful Billings, Montana! My name is Mark Stephenson and I want to help you buy your next home. I’m what is know as a Home Buyer’s and Seller’s Consultant. I will help you find the home of your dreams, or sell your present home in the fastest time possible. My goal is to help you and your family find a home that not only meets your criteria for location and quality, or sell your home and get the you most money for it. I’ve been in the real estate business for more that 8 years and have helped more than 120 satisfied buyers and sellers. I can provided the information you need to make an informed decision about a home that’s perfect for you and your family. And I can provide you with all the information your need to sell your home for the highest price possible. For a free consultation, you can call me at: 406-435-2978, or email me at: mark@homes-today.info  

Home Insurance Guide

What could be the possible implications of not getting home insurance? While it may not sound as important, you could face serious consequences. Having a home insurance policy protects you against a number of events. You can be sure of getting money for repairs from the insurer. You can also protect your home against fires and other calamities. Home insurance includes provisions for burglaries or thefts. Disaster insurance even protects you against tornadoes, hurricanes and earthquakes. Not having insurance coverage on your house is like asking for trouble. It is thus a good idea to find the right insurance for your residential property. What will the Insurance Cover? A typical home insurance policy extends coverage to these items. You will get full coverage of your house including the electrical wiring, plumbing, gas work, air-conditioning systems and central heating conduits. Everything is basically covered under insurance. External structures such as sheds and fences are also covered under home insurance You will also be able to insure the valuables inside your house. This includes appliances, computers and even clothing items in some cases. Your insurer will pay for you to stay at some other place during repairs or in case of property damage due to fires and other disaster. You are also protected against liability in case your property resulted in the injury of a person. This includes falling tree branches that could land on another property or a passerby. You will also be able to extend medical help to those who were injured on your property or by elements on it such as trees or fences. Types of Home Insurance There are three types of home insurance you can get in the United States. These are: HO-1: You will be protected against 11 named perils under this insurance. This type of insurance also offers liability protection against incidents happening on your property. This can protect you in case someone gets injured on your property. It will also pay for repairs in case a falling tree branch from your property damages the adjacent one. HO-2: It offers greater protection than HO-1. This will not only cover your property in its entirely but also the contents and valuables. It extends liability coverage beyond the list of 11 items mentioned in HO-1. HO-3: If you are looking for complete protection then HO-3 is the right policy for you. It provides protection to your property and contents. It can also offer insurance coverage for calamities such as earthquakes and floods. How to get the best Quotes You can get the best home insurance quotes by improving the safety of your house. Poorly maintained houses that need repairs are reviewed poorly by insurance agents. Presence of an alarm system will improve your chances of getting a favorable insurance quote. You can also reduce premiums by showing good financial health. Getting a home insurance becomes necessary to protect your property and inhabitants. It also protects you against liability and gives you peace of mind. Internet Resources Cheap Home Insurance Quotes

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Home insurance guide