SETMEUPHOME + PULSE POWER

Overpaying on homeowners insurance or interested in a quote? SetMeUpHome, in partnership with Pulse Power, can help you save!

Licensed agents will review your current insurance and offer competitive market quotes.

HOMEOWNERS INSURANCE TYPICALLY PROVIDES YOU WITH THE FOLLOWING

• Dwelling coverage: provides you with protection on the structure of your home, attached structures such as a garage and the built-in appliances
• Personal property coverage:  insures your personal possessions such as your furniture, electronics, clothing and other belongings
• Liability coverage: protects you in case some one is injured on your property
• Additional living expenses coverage: helps out in case you need temporary housing should your home be damaged and is unhabitable

How much coverage do you need?

Dwelling Coverage

A home’s insurance value is based on the cost to rebuild it, not the market value. The cost of your policy will vary depending on whether you choose Actual Cash Value (ACV), Replacement Cost Value (RCV) or Guaranteed Replacement Value (GRC). More about that here.

Personal Property Coverage

Next, you’ll need to determine the value of all the property in your home by creating a written inventory list so that the total value can be calculated. SetMeUp can help you with that process. You may need to purchase an additional rider for some luxury items to increase your coverage.

Liability Insurance

You’ll need to consider the value of all your assets to determine how much liability insurance you need in case someone files a lawsuit against you. If your total net worth is more than $100,000, then you might want to consider an optional umbrella policy to extend coverage.

ALE Coverage

The coverage for Additional Living Expenses is usually a percentage of your dwelling coverage amount.