Homeowners Insurance
For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected.
In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.
The best homeowner’s policy is one that provides the right protection for the value of your buildings and personal possessions at the right cost. We also have special programs for people who operate a business in their home.
Home Insurance Types We Cover
- Single-family residence
- Condominium units
- Renters’ personal property
- Seasonal residences
- Business in the home
- Fire dwelling only
Special Considerations
- Personal liability “umbrella”
- Replacement cost valuation
- Fire & burglar alarms
- Business in the home
- Value of home contents
- Jewelry, collections, silver
- Flood insurance
- Earthquake coverage
DISCOUNT PROGRAMS
- Home/Auto Account Credit: if you place both your home and auto insurance with the same insurance company, you may earn a discount.
- New Home Discount
- Installed alarm systems such as fire and burglar alarms. Discounts for such systems available in varying amounts, depending on the type of alarm installed and operating.
- Non-smoker discounts
Frequently Asked Questions
How do I know if I have enough homeowners insurance?
The right amount of homeowners insurance depends on several factors, including the cost to rebuild your home, the value of your personal belongings, and the level of liability coverage that’s appropriate for your household.
If you’re unsure whether your current Cranston, Rhode Island homeowners insurance policy still fits your needs, our Cranston insurance agency can review your coverage and answer your questions. We’re here to help you better understand your Rhode Island home insurance options.
Does homeowners insurance cover storm damage?
Can I get homeowners insurance before I buy a house?
Yes. In fact, most mortgage lenders require homeowners insurance before closing on your home. If you’re buying a home in Cranston, we can help you find coverage before your closing date.
Does homeowners insurance cover my garage?
In most cases, homeowners insurance covers an attached garage as part of your home’s structure. Detached garages may also be covered, although coverage limits can vary by policy.
What should I do if my home is damaged?
If it’s safe to do so, document the damage with photos, take steps to prevent further damage, and contact your insurance company as soon as possible. Keeping records of your repairs and expenses can also help during the claims process.
Does homeowners insurance cover my belongings outside the home?
Many homeowners insurance policies provide limited coverage for personal belongings even when they’re away from your home. Coverage limits and exclusions apply, so it’s important to understand what your policy includes.
Can I change my deductible?
Yes. Most insurance companies allow you to adjust your deductible when purchasing or renewing your policy. Choosing a higher deductible may lower your premium, while a lower deductible can reduce your out-of-pocket costs after a covered claim.
What discounts are available for homeowners insurance?
Many insurance companies offer discounts for bundling policies, installing home security systems, having a newer roof, or maintaining a claims-free history. If you live in Cranston, RI, our agency can help you identify discounts you may qualify for.
Is homeowners insurance the same for every home?
No. Every home is different, so homeowners insurance is tailored based on factors like the home’s age, size, location, construction, and the coverage you choose. That’s why it’s important to select a policy that fits your specific needs.
How do I get a homeowners insurance quote?
Getting a homeowners insurance quote is simple. You’ll typically need basic information about your home, including its age, size, and location. If you’re in Cranston, our team can provide a personalized quote and help you compare your coverage options.
Request an Insurance Quote
Auburn Insurance & Realty Co, Inc.
1119 Reservoir Ave
Cranston, RI 02910
Phone: (401) 943-3388
Fax: (401) 943-3437
Insurance Group: justin@auburninsurance.org,
Realty Group:
jay@auburninsurance.org
General Information: lisa@auburninsurance.org
Hours
Monday - Friday: 8:30 am to 4:30 pm
Saturday: By Appointment
Sunday: By Appointment
Location
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.
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