The agents at Johnson Insurance know your home is one of your largest investments and keeps you and your loved ones safe. Make sure your homeowners insurance protects your investment and covers all of the things that are most valuable to you.
We offer multiple carriers and the coverage from each can be very different. We will take a close look at your situation to ensure your home has coverage that best meets your needs. Our policies cover primary residences and vacation homes, as well as the possessions inside them. Additionally, the policies provide liability coverage should someone become accidentally injured in your home.
If the unforeseen strikes, service and responsiveness become as important as the dollar value of your coverage. Having a Johnson Insurance agent means you'll have a team working with you. You will have a personal advocate to walk you through the claims process when you need it.
In addition to your traditional homeowner's insurance, you may also want to consider Special Personal Property coverage, Mortgage Extra Expense coverage, Identity Theft coverage, as well as:
|Replacement Cost Coverage
Insure Your Home for at Least 100% of the Estimated Replacement Cost
|Your home may be one of the largest investments you ever make. Understanding market value vs. replacement cost is an important consideration in determining how much coverage you need. At Johnson Insurance we recommend you purchase homeowners insurance equal to your homes estimated replacement cost. It is important to have enough coverage to account for the unforeseen and be able to replace your home.
|Back‐up Sewer and Drain Coverage
Planning for the Unexpected
|You have the option to add coverage for Back-up Sewer and Drain to your homeowners insurance. Covers losses caused by the back-up of water or waterborne material through a sewer or drain and overflows from a sump or drain.
What is Market Value vs. Replacement Cost?
The market value is the amount a buyer would pay for your home. The market value of your home is impacted by the local housing market, housing shortages, and the number of new homes being built near you and your location. Market values fluctuate constantly and are not always a reliable source for replacement costs.
Replacement cost is the total cost to rebuild or repair your entire home. The cost to replace your home includes the expense and availability of labor and materials, fuel costs and the special characteristics within your home. In most cases, the cost to rebuild your home is often much higher than what you paid for your home or the market value.
As a condominium owner, our agents know you have special needs to consider. You need condominium insurance protection in the event your condominium and possessions are damaged, destroyed or stolen. Condominium insurance will also provide liability coverage for unexpected accidents in your home to protect you financially against lawsuits and liability claims.
It is important you understand what your association will hold you responsible for in the event of a loss. Our Johnson Insurance agents will review your by‐laws to help you select the coverage you need.
If the unforeseen strikes, service and responsiveness become as important as the dollar value of your coverage. Having a Johnson Insurance agent means you'll have a personal advocate working with you and looking out for your best interests while handling your claim.
Personal Inventory Tip: Document what you own with photos or video and keep these records in a secure off-site location, such as a safe deposit box or talk with your agent about other inventory options.