Homeowners Insurance Quotes

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Personal Lines

As an independent insurance agency, personal lines is an important part of the products

and services we provide to our clients. We have the privilege of servicing over 12,000 personal lines policyholders. Our agency’s goal is to develop long-term relationships with all of these clients, providing the safety & security that is required to protect their personal possessions and the income flows of their families. The insurance carriers we represent are among the best and share our desire & commitment in servicing your financial needs. These carriers all have A (excellent) ratings by A.M. Best, a sign of financial strength and the ability to pay claims. Our clients can be assured that the carriers we represent are fiscally responsible and highly responsive to the needs of our clients in any claim situation.  Go to the page
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Life & Health Insurance

At Body-Borneman, we know that our clients have more than automobiles and homes

to protect. That’s why we organized our life and benefits department back in 1962. For over 35 years, we’ve been helping customers to protect their health, incomes and savings from the risk of financial loss, including: We pride ourselves in the abundance of products and services we have available to meet your insurance needs. We are staffed with professional agents at all 3 of our locations, who can assist you with any insurance need you have .  Go to the page
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Commercial Lines

Body-Borneman specializes in Commercial insurance, with over 2,000 clients

Regardless of whether your business is manufacturing, wholesaling, contracting, retailing or service, we can find and tailor a program to match your needs, whether through traditional insurance products – or more creative, self-insurance captive programs As an independent agency, Body-Borneman represents a large assortment of today’s most competitive carriers for many industries. Having ready access to these markets makes us uniquely qualified to tailor to your specifications a package of protection.  Go to the page
Companies We Represent

Welcome to Body Borneman Insurance

Any homeowner should greatly consider getting homeowners insurance by choosing between different homeowners insurance quotes. Purchasing a home is one of the biggest accomplishments a person can achieve. So this makes it all the more important to protect your home with homeowners insurance.

 

With all of the bills we have to pay on a monthly basis, one might decide to opt out of purchasing homeowners insurance. This is not a wise decision. You never know when something might happen to your home and it come become extremely damaged. Be prepared for the possibilities and make sure that you are covered.

 

Is it possible to find homeowners insurance within your budget? Of course it is. As a homeowner, homeowners insurance should be on the priority list. If you don’t think you can squeeze in another monthly bill, you should consider making room for it. Homeowners insurance rarely costs a lot and it will be more than beneficial if something were to happen to your home.

 What Does My Homeowners Insurance Quote Cover?

When receiving homeowners insurance quotes, realize what the quote you are given covers. In the event of an accident, it will be beneficial to understand what is repairable and replaceable with the coverage you receive:

 

  • Most weather related damage
  • Fire damage
  • Damage done by falling objects such as tree limbs

 

While this isn’t always what a homeowner’s insurance policy may cover, these are standard damages covered by such insurance. It depends on where you live. Some homeowners insurance policies include volcano and earthquake damage if those types of accidents are or could be prevalent to the area.

What Might Affect My Homeowners Insurance Rate?

Prior to receiving homeowners insurance quotes for homeowners insurance, be aware of the things that the companies consider before giving you a quote. There are certain things that will affect the quote you are given, making them more or less expensive.

 

  • Where you live plays a huge factor on what quote you receive. The geological surroundings of your residence can make the quote more or less. If you live in an area prone for certain weather related or geography related damages then you might need more coverage.
  • The age of your home is also considered by the companies offering homeowners insurance. Not only will the overall age of your home be assessed prior to being given a quote, but the age of all of its components will be considered too. This might include the plumbing, the roof, the electrical work, and more.
  • The security and safety precautions you take for your home are also a factor. If you have smoke detectors, security systems and other forms of protection, you could be able to get a lower insurance quote.
  • If you intend to combine your homeowners insurance with other insurance types, this could decrease the overall amount paid out monthly for all of them.

What to Consider While Shopping for Affordable Homeowners Insurance

When searching for reliable homeowners insurance, don’t just settle for the first company that pops up in your Internet search engine. Take the time to evaluate what exactly you are looking for in your homeowners insurance by selecting the homeowners insurance quotes that fit your needs. Try going through one of our insurance agent that can help you find the most reliable insurance for your home. Also, consider the advice given below:

 

  • Is the insurance agency you are contacting for a quote from the area? An agency located near home is always great. This will allow you to have one on one contact with them if necessary and they will be knowledgeable of all the possible damage that could happen to a home due to the area.
  • Does the insurance provider have other types of insurance that you could possibly bundle? If you need several types of insurance such as auto or life insurance, you may be able to bundle it all together for a lower premium. Ask our agency what we provide to our customers.
  • Does the company or insurance agent have friendly, knowledgeable customer service staff? Customer service is everything these days. If a company fails to have a good customer service staff, many potential customers will stray, and rightfully so. Make sure that the customer service is willing to help you, answer all of your questions, and able to address all of your concerns.

 

With the above information provided to you, finding homeowners insurance that meets your budget and covers your home won’t be difficult. Be patient and consider working with Body-Borneman. Our licensed agents will work through dependable insurance companies to assure the best homeowners insurance quotes and coverage.

Homeowners Insurance