HOME INSURANCE SERVICES

Your home is more than just a building—it's where your family gathers, where memories are made, and often your largest financial investment. At Blue Haven Insurance Agency, we help you protect your home, your belongings, and your peace of mind with insurance coverage that fits your needs and your budget.

Whether you own your home, rent an apartment, or are in the process of buying your first property, we provide clear explanations and personalized service in your language.

• Dwelling Coverage - This is the core of your homeowners policy. It covers the physical structure of your home—the walls, roof, floors, and built-in appliances—if damaged by covered events like fire, wind, hail, lightning, or vandalism. We'll help you determine the right coverage amount to rebuild your home if the worst happens.

• Personal Property Coverage - Your belongings matter. This coverage protects your furniture, clothing, electronics, appliances, and other personal items if they're damaged, destroyed, or stolen. We'll help you document what you own and choose coverage limits that reflect the true value of your possessions.

• Liability Protection - If someone is injured on your property or if you accidentally damage someone else's property, liability coverage protects you from lawsuits and pays for legal defense, medical bills, and settlements up to your policy limits. This is crucial financial protection for your family.

• Additional Living Expenses/Loss of Use -  If your home becomes uninhabitable due to a covered loss—like a fire or severe storm damage—this coverage pays for temporary housing, meals, and other living expenses while your home is being repaired. 

• Medical Payments to Others - If a guest is injured at your home, this coverage pays their medical bills regardless of who was at fault—even if it was just an accident. It can help you avoid lawsuits and maintain good relationships with neighbors and friends.

• Flood and Earthquake Coverage - Standard home insurance doesn't cover flood or earthquake damage. If you live in an area prone to these natural disasters, we can help you obtain separate coverage to protect your investment.

• Renter's Insurance - Don't own a home? Renter's insurance is affordable and essential. It protects your personal belongings, provides liability coverage, and pays for temporary housing if your apartment becomes unlivable. Your landlord's insurance doesn't cover your possessions—you need your own policy.

We Speak Your Language
Home insurance can be confusing with all its terms and exclusions. We explain everything clearly in English, Spanish, or Portuguese so you fully understand what you're buying.

Affordable Protection
We shop multiple carriers to find competitive rates and identify every discount you qualify for—bundling with auto insurance, security systems, fire alarms, new home discounts, and more.

Personalized Coverage Recommendations
Every home and every family is different. We'll assess your property, your possessions, and your specific concerns to recommend coverage that gives you real protection, not just a policy.

Help When You Need It Most
Filing a claim can be stressful. We'll be with you throughout the process, helping you document damages, communicate with the insurance company, and get your claim resolved fairly and quickly.

Local Knowledge
We understand the specific risks in our area—whether it's weather patterns, crime rates, or building codes. This helps us recommend coverage that addresses real local concerns.

How much home insurance do I need?

• Your dwelling coverage should be enough to rebuild your home at current construction costs. Personal property coverage typically ranges from 50-70% of your dwelling coverage, but we'll help you evaluate your actual belongings. Liability coverage of at least $300,000 is recommended for most homeowners.

What does home insurance NOT cover?

• Standard policies typically don't cover floods, earthquakes, routine maintenance, wear and tear, pest damage, or certain high-value items like jewelry or art above specific limits. We'll explain all exclusions and help you get additional coverage if needed.

How can I lower my home insurance premium?

• Install security systems, smoke detectors, and deadbolts. Increase your deductible. Bundle with auto insurance. Maintain good credit. Stay claims-free. We'll review all available discounts with you.

Do I need home insurance if I rent

• Your landlord's insurance only covers the building—not your belongings or your liability. Renter's insurance is inexpensive (often $15-30/month) and provides essential protection for your possessions and peace of mind.

What should I do to prepare for getting coverage?

• Make a list of your valuable possessions and take photos. Know the age and condition of your home's major systems (roof, HVAC, plumbing, electrical). Understand any claims history on the property. We'll guide you through the rest.