{"id":6,"date":"2018-03-25T10:11:57","date_gmt":"2018-03-25T10:11:57","guid":{"rendered":"http:\/\/ac.acdemo2.com\/mars\/?page_id=6"},"modified":"2018-04-10T16:06:29","modified_gmt":"2018-04-10T16:06:29","slug":"homeowners-insurance","status":"publish","type":"page","link":"https:\/\/www.marsinsurance.com\/homeowners-insurance\/","title":{"rendered":"Homeowners Insurance"},"content":{"rendered":"
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Homeowners Insurance<\/h1>\n

\"\"Protecting your biggest investment<\/h3>\n

Homeowners Insurance from Mars Insurance Agency<\/em><\/strong>
\nAll 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\u2019s 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\u2019s your home\u2026make sure it\u2019s protected with Mars Insurance Agency.<\/p>\n<\/div><\/div><\/div><\/div>

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It\u2019s YOUR interests we protect<\/h3>\n

Mars Insurance: an Independent Insurance Agency<\/strong><\/em>
\nAs an Independent Insurance Agency, Mars Insurance can offer homeowners insurance options that simply aren\u2019t 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\u2019s the power of independence. That\u2019s Mars Insurance Agency.<\/p>\n<\/div><\/div><\/div><\/div>

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\"\"What happens when enough isn\u2019t enough?<\/h3>\n

Personal Umbrella Protection from Mars Insurance Agency<\/strong><\/em><\/p>\n

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\u2026up 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\u2019s why so many choose a Personal Umbrella policy. These effective and affordable liability policies provide an\u00a0 \u2018umbrella of liability protection\u2019 that picks up where your homeowners insurance and auto insurance policies stop. That\u2019s 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\u2019t get caught short. Ask your Mars Insurance professional about an affordable Personal Umbrella policy.<\/p>\n<\/div><\/div><\/div><\/div>

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Why Flood Insurance is So Important<\/h3>\n

\"\"Many mistakenly believe that homeowners insurance provides coverage against flood damage. It\u2019s important to note that homeowner\u2019s 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.<\/p>\n

There are various types of flood insurance policies based on property location and flood history. <\/strong><\/p>\n

Standard Flood Insurance Policies<\/h4>\n

The National Flood Insurance Program (NFIP) is a Federal Government entity established to help communities who \u201cvoluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.\u201d\u00a0 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\u2019 coverage separately to purchase a standard flood insurance policy.<\/p>\n

Preferred Risk Flood Insurance Policies<\/h4>\n

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\u2019t wait until you suffer a loss: talk to the professionals at Mars Insurance about flood protection.<\/p>\n<\/div><\/div><\/div><\/div>

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Our Homeowner\u2019s Insurance Options include:<\/h2>\n<\/span>\n
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