Home Insurance

A home is where you and your family live and create lasting memories, where you keep your most cherished possessions, where you feel safe and secure. It is one of your most valuable assets. But sometimes the unthinkable happens. A fire destroys your garage. A tornado tears apart your roof. A thief breaks in and steals expensive jewelry and electronics. The world is unpredictable. You never know exactly what’s around the next corner. That’s why you need home insurance.

Utah—how much home insurance is right for you?

American Affordable Insurance is based in Utah so we understand the unique home insurance needs of our state. If you provide us with accurate, up-to-date information about your home and possessions, we can estimate the replacement cost of your home and adjust your policy limits as needed.

Homeowners insurance coverage

Homeowners insurance policies differ depending on the coverages you choose and the kind of home you own. The policy you choose is up to you.

Types of homeowners coverage

  • Structural—covers damages to your home or dwelling.
  • Personal Belongings—covers damages in your home or on your property.
  • Liability Protection—covers your legal responsibilities for injuries or damages to other people or property.
  • Additional Living Expenses—covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.

Your insurance policy will not cover damages caused by poor or deferred maintenance on your part.

Insurance for all kinds of homes

Whether you own a home, a condominium—or if you’re a renter—an affordable home insurance policy can provide you with peace of mind. Home insurance can help pay for repairs, or replace your home and belongings, when disaster strikes. A home insurance policy can also protect you if someone is injured on your property and wins a legal judgment against you.

Protect the things that matter to you

Protect the things that matter to you by making a detailed inventory of your home and personal belongings. If possible, take photos or video of your home and belongings in addition to an inventory list. Two inventory methods can help expedite the claim resolution process. Remember to keep your inventory list, photos, and/or video somewhere other then your home so they’re not damaged along with your home.

Every home is unique—let AAI help you find a home insurance policy that works for you. Contact us today!

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