Home Insurance

Your home is your family's safety, security and stability. What protects you deserves protection, too. We understand that everyone's home insurance needs are different. We also recognize that you have probably invested more money on your home than anything else Insure with Asia Insurance to soundly safeguard your home's structure, your possessions and your liability. Whether your home is a house or a condominium, we have an affordable, comprehensive policy to suit your needs.

.. This is why it's so important to get a policy that's tailor-made to suit you. After all, there's no point paying more than you need or finding out too late that your cover is inadequate

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Tips for Keeping Your Rates Low

There are some simple steps you can take to reduce your homeowner's premiums.

• Raise Your Deductible - A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit that you could handle in case of a loss.
• New Home - If your home is less than 10 years old, you may be eligible for a new home discount.
• Make Your Home Safer - You may be eligible for a discount if you have a burglar and fire alarms systems and/or sprinkler systems. Monitored systems will earn a bigger discount than unmonitored systems.
• Construction Material - When you buy a home, look for fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those made of concrete tile, while wood roofs may bring a surcharge. Check the location of the nearest fire department, and avoid buying in flood prone areas.
• Non-Smoker Discounts