Homeowners Insurance

Your home is your safe haven; it's full of happy memories, people you love, and items you've worked hard to get. With a homeowners policy from Saleme Insurance, you get the protection you need to cover all of that at an affordable price.

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Standard Coverages

Most homeowners policies are comprised of three parts to help protect you and your home in the event someone is injured on your property, you accidentally damage someone else's property, or your own property is damaged.

Liability

Liability coverage helps protect you in case someone gets hurt on your property or you accidentally damage someone's property.

It's also a smart idea to consider an umbrella policy, which can provide you with $1 million or more in liability protection for catastrophic accidents. It's a surprisingly inexpensive way to ensure you're protected from a serious financial loss.

Example

If a delivery person slips on ice on your property and sues you, your homeowners insurance can cover medical bills, lost wages, and damaged merchandise.

Personal property

Personal property coverage protects the items inside of your home. Everything from furniture, clothing, luggage, and more may be covered, even if they aren't in your home.

Example

Your home is broken into and hundreds' of dollars worth of personal belongings are stolen. A homeowners policy can help you replace those items up to a certain limit.

Structural coverage

Structural coverage protects the exterior of your home due to damage from weather, fire, and other sources.

Example

You experience a fire, and your home burns to the ground. A homeowners policy can help you pay to rebuild your house; in fact, with certain carriers, your policy could pay to replace the full value of your home. So, if your home cost $200,000, you would receive the full amount. Other carriers will only pay the "cash value" of the home, which is often less than what you originally paid for.

Customize Your Coverage

Every home is different, which is why at Saleme Insurance, you have options to customize your policy to fit your unique needs.

Service line protection

Damage to underground service and utility lines can be expensive, difficult to prevent, and often the responsibility of the homeowner to repair. With Service Line Protection, you can help cover these costs in the event an accident of this nature occurs.

Identity recovery

In the event of identity theft or fraud, Identity Recovery coverage can help you pay for a caseworker to assist you recover your identity.

Water backup and sump overflow

Water Backup and Sump Overflow coverage is a great option; a sewer back-up can easily cost $5,000 for an unfinished basement, and that price could increase to $10,000 for a finished basement. This coverage helps cover the costs in the event this happens.

Guaranteed Replacement Cost

If your home was destroyed tomorrow, would your insurance cover the actual value of your home? Most homeowners policies subtract for wear and tear and depreciation, meaning you may not receive the actual value for your home. With Guaranteed Replacement Cost Coverage from Erie Insurance, the entire value of your home is covered - even if you need to rebuild it.

¹About sixty percent of homes are undervalued - and potentially underinsured - by 17%, according to Marshall & Swift/Boeckh, a leading provider of building cost data to real estate professionals.

²Guaranteed Replacement Cost applies to dwelling and requires home improvements over $5,000 to be reported within 90 days - not available with all policies and in all states. Coverage of costs to comply with laws or ordinances is subject to limits. Depreciation will be deducted until repair or replacement is made.

Real People Saving Real Money

"I saved over $1,000/year on my homeowners and more than 50% on car insurance when I changed to Saleme and bundled my policies. The staff has been very helpful, friendly and easy to work with. I’ve recommended them in the past and will definitely do so again. Thank you."

- Michael S., client since 2017