Your Home Is More Than a House Make Sure It’s Protected
Your home is one of your most valuable assets, and the right insurance ensures it stays that way. Imagine the unexpected—a fire, severe storm, or accident—would your current policy fully cover the cost of repairs or rebuilding? At Ray Johnson Insurance Agency, we help homeowners secure tailored policies that provide real protection, not just the bare minimum.
As an independent agency, we’re not tied to a single insurance provider, which means we can find coverage that truly fits your needs and budget.
What Does Home Insurance Cover?
Homeowners insurance provides financial security against life’s uncertainties. A comprehensive policy can help cover:
- Structural Protection – Repairs or rebuilding after damage from fire, wind, hail, and other covered perils.
- Personal Belongings – Coverage for furniture, electronics, and valuables in case of theft, damage, or loss.
- Liability Protection – If someone is injured on your property, this coverage helps with medical bills and legal expenses.
- Additional Living Expenses – If your home becomes uninhabitable due to a covered event, your policy can help with temporary housing and extra costs.
We work with top-rated insurance carriers to customize coverage that ensures you’re not left with gaps that could cost you later.
Common Gaps in Home Insurance You Should Know
Many homeowners assume their standard policy covers everything, but that’s not always the case. Here are a few common misconceptions:
Flooding Isn’t Covered – Most home insurance policies exclude flood damage. A separate policy is required.
Water Backup Needs Extra Coverage – Sewer and drain backups can cause costly damage but aren’t included in standard policies.
Valuables May Have Limits – Jewelry, art, and collectibles often have coverage limits unless you add an endorsement.
Market Value vs. Rebuilding Costs – Your home’s market value doesn’t always match what it costs to rebuild. We help you get the right amount of coverage.
Understanding your policy’s fine print is crucial—we’ll walk you through it and make sure you’re covered where it counts.
Who Needs Home Insurance?
Whether you own or rent, protecting your home is essential. We offer coverage options for:
- Single-Family Homes – Protection for the structure, personal belongings, and liability.
- Condos & Townhomes – Coverage for interior spaces, belongings, and association liabilities.
- Rental Properties – Landlord policies to protect your investment property from damage and liability.
- Vacation & Secondary Homes – Coverage for seasonal homes and properties that aren’t occupied year-round.
No matter what type of home you own, we make it easy to secure the right protection.
Save More with Home & Auto Bundles
Want to lower your insurance costs without cutting coverage? Bundling your home and auto insurance can unlock significant savings and simplify your policies. Get in touch today to explore your options!
Ready to protect your home with confidence? Call us or request a quote now.
