Home Insurance


home is usually the largest single possession anyone owns. That’s why getting the right coverage is so important for you and your family. Muller Insurance can help. We will find you a policy that not only protects your home in a disaster, it also protects your possessions.

Standard policies generally go beyond protecting your home and property. They also cover legal responsibilities in the event you or a member of your family causes property damage to someone else. But it is important to realize that there many different types of homeowners policies. They all offer different amounts and types of coverage. Picking the policy at the right price can be tricky.


Basic Policy Options:

Example One (HO-3): A policy that protects your home from all perils except those specifically excluded. This is one of the most popular policies,

Example Two (HO-5): This policy covers all perils to the structure of the building and the contents inside, except those specifically excluded. HO-5 usually has higher limits for personal property than HO-3 coverage, though this type of policy is only available for properties that qualify.

Example Three (HO-6): This policy is designed for people who own a condo or co-op. It will provide protection for belongings and interior structural damage. Coverage for the rest of the building or structure should be covered by other policies.

Example Four (HO-4): This policy is available only for renters. It will protect possessions that are damaged but doesn’t cover the structure itself.

What Else?
Standard homeowners insurance policies do not provide coverage from damages caused by flooding, sewer backups, mold, earthquakes or termites. They also do not provide reimbursement for relocation expenses during times when the home is lost. These policies will also not cover liability damages for injuries caused by the use of a swimming pool or a trampoline. These type of coverage’s need to be added to a specific policy at an additional cost. And not all insurance companies are willing extend all extra coverage.

Replacement Costs
Muller’s policies are written on a Replacement Cost basis, meaning they cover rebuilding your home or replacing your possessions without a deduction for depreciation. Guaranteed or extended replacement cost pays whatever it costs to rebuild your home as it was before a fire or other disaster, regardless of the policy limit. There are also extended policies available that pay a percentage of the rebuilding cost. They will generally pay 20 to 25 percent over the limit.

Need help getting the right homeowners coverage?
Muller Insurance is there for you.