Home Insurance

Did you know that your home might need to be covered for $250,000 even if it would only sell for $150,000? Do you know how high your deductible should be to get the best combination of rate and coverage? Do you know how to make sure all of your possessions are fully covered by your insurance?

Homeowner’s insurance is complicated. There are many combinations of plans to cover your possessions, but there are just as many ways these combinations will leave you seriously under-insured. Howard Webb Insurance provides you with an agent that will help you understand the ins and outs of homeowner’s insurance so you can properly protect your biggest asset.

Homeowner’s insurance policies can include provisions for:

  • Damage to your house
  • Damage to other structures on your property
  • Damage to your possessions
  • Added living expenses incurred due to the loss of your home
  • Coverage for others who are injured on your property

At Howard Webb Insurance, we can help you navigate the world of protecting your property.

We can help you  ensure that you can re-build your life from the ground back up by insuring that your policy is done right!

We also help you understand the how and why of deductibles.   Because of our wonderful Indiana weather and a rise in hail storms, some companies require you to  pay $2,000 out of pocket for hail damage.  But that is not rue for all companies or  for all properties. At Howard Webb, we can help you understand when and how to use your deductible to your full advantage by educating you on the ins-and-outs of making a claim.

We will always help you to protect your possessions by properly representing your assets. While misrepresenting your possessions may result in a lower premiums up front, your claim could be denied in the event of a disaster, leaving you without help from the very people who promised to help you.

We also know that certain possessions are not covered by amount and need to be “scheduled” on your policy in order to have coverage above $1,500. These items include:

  • Jewelry
  • Furs
  • Guns
  • Silverware
  • Coins and currency
  • Some musical instruments

It is important to remember that the smallest details are also the most important. Many policies look the same on the surface, but the details reveal that they are very different. An independent agent has the experience to understand the details and the ability to offer unbiased advice on the best coverage. At Howard Webb, are not bound to one company, so we can help you decide how to bundle home and auto policies from two different companies, if that’s your best option.

When you choose to cover your home through Howard Webb, you will not receive junk coverage from poor companies. Your assets will be covered with the best service, coverage, companies, and rates.