We care deeply about our community and do everything in our power to take care of our customers during their time of need. The Hornbuckle Agency is not a 1-800 number or a company that will put you at the bottom of their to-do list. Our agents take care of you when you need it, whether it is when you are buying home insurance for the first time or when disaster strikes.
Homeowners Policy
We offer extended replacement cost coverage on homes that qualify. We will pay up to 25% more than your insured value if the cost to repair your home exceeds the amount. The big difference between replacement cost versus Actual Cash Value is ACV is the replacement cost minus depreciation.
Manufactured Homes
We commonly work with manufactured homes and are one of the few companies in the area that provide this specialized coverage. Our policies cover single-wide and multi-wide houses. We offer the option of replacement cost protection. Replacement cost is determined based on the stated value for older manufactured homes. Not only do we provide great policies, but we offer great rates as well. Talk to our agents to break down your policy options and replacement cost value.
Renters Coverage
Renter’s insurance is a great security measure for individuals who rent their homes. Often, it could be for a child who is away at college or a family renting for the time being. In these cases, the renter’s insurance covers the contents and liability in that home. On the other end of renting, we offer coverage for tenant houses. Frequently, customers ask if insurance is a necessity when you live in a home you do not pay for. This is when we introduce renter’s insurance and the importance of getting the right coverage for your living situation. It is affordable and easily attainable with help from your Alfa agents.
Valuables
We do offer personal articles policies. This includes watches, jewelry, collectibles, fine arts, and things of that nature. Our stand-alone personal article policies are very affordable and easy to get. We ask you a few questions to properly document the value. Shortly after, we issue your policy.
Condos
We cover condos as well. Whether you live there full-time or own one as a vacation spot, we insure them. Condos, rental homes, homes, and manufactured homes are well protected with Alfa Insurance.
Components of Home Insurance
There are several components to consider for your homeowner’s policy:
Dwelling Coverage
Dwelling coverage is the part of a homeowners insurance policy that may help pay to rebuild or repair the physical structure of your home if it’s damaged by a covered hazard. Your house and connected structures, such as an attached garage, are typically protected by dwelling coverage.
Other Structures Coverage
Part of a homeowners insurance policy that helps pay to repair or replace structures other than your home, such as a fence, if they are damaged by a covered risk. For instance, if a tree falls on your detached garage, other structures coverage may help pay for repairs.
Personal Property Coverage
Personal property coverage insures your belongings if they’re stolen or if they’re damaged or destroyed in a covered event, such as a fire.
Loss of Use
This coverage can help pay for the additional costs you might incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it’s being repaired or rebuilt.
Liability
Liability coverage protects you if you’re legally responsible for damage to someone’s property or if you accidentally injure someone, whether you’re at home or away from it.
Medical Payments
Coverage that is designed to pay for medical expenses to others who are accidentally injured on an insured location or by the activities of an insured, resident employee, or an animal owned by or in the care of an insured.
Home Systems Protection
We offer discounts for the age of your roof. Along with that, we offer an endorsement called home systems protection. This additional perk covers a multitude of electrical appliances if a sudden mechanical failure occurs.
To expand on these concepts and establish the right home and property insurance for your living situation, contact our team here at The Hornbuckle Agency and schedule an appointment.