What Is Homeowners Insurance?

A standard homeowners insurance policy includes coverage to help protect your home and belongings and provides some liability protection. Home insurance may help pay to repair your home or replace your belongings if they are damaged by certain perils, such as fire,hail,lighting,windstorm, and theft.

If you finance your home with a mortgage, your lender will require you to have home insurance coverage to protect your home in case of damage cause by unforeseen circumstances, such as fires or natural disasters.

In addition, homeowners insurance policies are generally “package policies.” This means that the coverage includes not only damage to your property, but also your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets).

A man that can answer all your questions regarding your insurance coverage and policy is… Todd Terry from Allstate. Todd is a great guy and is very detailed, professional, and caring. I should know since I am one of them! I met Todd about 19 years ago and over the years have gotten to know him and his staff very well. Customer service is a big deal to him. I proudly refer my friends and all of my family to him.

My name is Todd Terry and I have been with Allstate for over 25 years and have worn many hats in the company. My tenure and experience have allowed me to not only understand the ins-and-outs of insurance, but also to service hundreds of families regarding their protection needs. I can help you protect the things that are important -Your Family, Home, Car, Life, Boat, Motorcycle and more. I’m proud to work with a company who’s been serving satisfied customers for over 80 years. I can offer quality insurance that’s affordable and provide easy access for you to contact me in person, over the phone, by email or through my Web site – wherever and whenever you need! Both Allstate and I know how important price and service are for a long-lasting relationship. I’m committed to helping you protect not only what you have today, but to also prepare for tomorrow. I can help you understand how insurance is a part of your “Safety Net” and a cornerstone of your financial security. Together, we’ll work to evaluate your coverages and select flexible payment options that work for you. Ultimately, we want to make sure that your assets are fully protected and that you are completely satisfied.

Todd Terry Agency Inc.


Call Todd to discuss your options and understand what your insurance can cover.

Caron Koteles Riha is a licensed Real Estate Broker with Real Estate One.
Email, Text or Call Caron at (248)379-6651 or Caron@CaronKoteles.com

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