Homeowners Insurance

Protecting your biggest investment

Homeowners Insurance from Mars Insurance Agency
All those serious family conversations around the kitchen table, the movies watched in the living room, the laughter shared with the people that matter most to you: it all takes place under one roof. A home represents more than simple shelter: it’s where life happens. Making sure you and your family always have a place to talk, laugh and live is what homeowners insurance is all about. The professionals at Mars Insurance Agency look beyond the basics to ensure the things that make a house a home are covered should a loss occur, assessing your risks and providing coverage that addresses your needs. It’s your home…make sure it’s protected with Mars Insurance Agency.

It’s YOUR interests we protect

Mars Insurance: an Independent Insurance Agency
As an Independent Insurance Agency, Mars Insurance can offer homeowners insurance options that simply aren’t available with a captive agency. A captive agency offers products from one insurance carrier. If rates increase or if your needs change beyond the scope of their single insurance company, your only option is to choose another agent. Mars Insurance is an independent insurance agency and that means we work with a network of many top rated insurance carriers to provide you with home insurance options that fit your needs. The right coverage for every customer: that’s the power of independence. That’s Mars Insurance Agency.

What happens when enough isn’t enough?

Personal Umbrella Protection from Mars Insurance Agency

Whether you read the paper or get your news online, you know we live in a litigious age where lawsuits are rampant. Your homeowners insurance policy provides liability coverage…up to specific limits. Unfortunately, in a serious claim involving personal injury and property damage, your liability obligation can often exceed the limits of most homeowners insurance policies. That’s why so many choose a Personal Umbrella policy. These effective and affordable liability policies provide an  ‘umbrella of liability protection’ that picks up where your homeowners insurance and auto insurance policies stop. That’s right: one personal liability umbrella provides additional liability protection for both your homeowners and your personal auto policy. This is the most affordable way to protect you against expensive lawsuit settlements that exceed most standard policies. Don’t get caught short. Ask your Mars Insurance professional about an affordable Personal Umbrella policy.

Why Flood Insurance is So Important

Many mistakenly believe that homeowners insurance provides coverage against flood damage. It’s important to note that homeowner’s insurance does NOT cover floods. Even a few inches of water can cause tremendous damage, resulting in expensive repairs and restorations. Flood insurance provides the protection against the destruction caused by flooding due to heavy and lengthy rainfall, storm surges, blocked storm drainage systems, snow melts and other related incidents.

There are various types of flood insurance policies based on property location and flood history.

Standard Flood Insurance Policies

The National Flood Insurance Program (NFIP) is a Federal Government entity established to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.”  If you live in a participating community, your building and contents can be covered by this policy. To be classified as a flood, waters must cover at least two acres or affect at least two properties. You must apply for both building and contents’ coverage separately to purchase a standard flood insurance policy.

Preferred Risk Flood Insurance Policies

This policy is designed for homes and businesses located in low or moderate risk zones. These low-cost policies are not required in low-to-moderate risk areas; they do afford protection to your home and its contents should a small or large flood occur, which is fairly common in low-to-moderate risk areas. Don’t wait until you suffer a loss: talk to the professionals at Mars Insurance about flood protection.