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  1. Wind and Hail
  2. Water Damage
  1. Fire Damage
  2. Visitor Accident
  1. Pet Attacks

What this means for you:

There are a variety of policies that can cover your home's value. These policies include, but are not limited to:

  1. Replacement Cost Coverage
  2. Special Payment Coverage
  3. Market Value Coverage
  1. Stated Value Coverage
  2. Actual Cash Value Coverage

No matter which of these potential coverage options are included in your policy, much of your reimbursement will be dependent upon your home's value. Most insurance companies will fully reimburse for policies that cover at least 80% of the home's value. Make sure your monthly premium is in line with your necessary coverage in relation to your home's overall value. Ask your insurance agent for more details.

What you should know about home insurance

  • YOU NEED IT A home will most likely be the largest asset you ever own - protect it! Homeowners Insurance is a requirement for most mortgage holders.
  • YOUR CONTENTS ARE COVERED Regular household necessities are covered by Homeowners Insurance. High value items like art, jewelry, etc. may need additional coverage.
  • WEATHER AND FIRE ARE COVERED Besides floods caused by weather, nearly every extreme weather damage will be covered by your insurance policy.
  • HOME INSURANCE INCLUDES LIABILITY INSURANCE Your insurance policy will cover injuries and personal property damages that occur on your property.
  • BUNDLE YOUR POLICIES Save money by bundling all of your insurance policies with one provider.

The extras: Flood, Earthquake, Increased Fire


Depending on where you live, the contents of your home and/or personal risk tolerance, you may want to consider adding additional coverage to the standard Homeowners Insurance policy.



Though hurricane, tornado, hail, and rain damage are all covered, the damage from ensuing floods are not. Homeowners that live in low plains and coastal locations should add Flood Insurance.


Earthquake coverage is available in all 50 states, with premiums varying based on local risk. It's important to do proper research to find out how at risk your home is.


Depending on your home's proximity and exposure to potential wildfires, you may require extra coverage to properly cover your home's value. The same can be said about a home full of valuable art or expensive jewelry – standard policies will not apply.

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Clearlink Insurance

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ClearLink Insurance Agency, LLC offers insurance products in the following states: (AL - 662369), (AR - 416243), (AK - 10116668), (AZ - 10394470, (CA - 0i22561), (CO - 419732), (CT - 2424421), (DC - 3041371), (DE - 1326873), (FL - L088857), (GA - 172259), (HI - 423474), (IA - 1002207278), (ID - 439793), (IL - 100640719), (IN - 869503), (KS - 461715304), (KY - DOI-805173), (LA - 582580), (MA - 1930638), (MD - 2112735), (ME - AGN213175), (MI - 100259), (MN - 40325516), (MO - 8287507), (MS - 15021382), (MT - AP770689), (NC -1000341544), (ND - 2000115021), (NE - 100196040), (NH - 2268499), (NJ - 1515723), (NM - 100012274), (NV - 947846), (NV - 876621), (OH - 985962), (OK - 100151491), (OR - 100213920), (PA - 666488), (SC - 193263), (SD - 10016345), (TN - 2238715), (TX - 1821698), (UT - 436588), (VA - 133866), (VT - 873256), (WA - 828648), (WI - 2609707), (WV - 100149165), (WY - 238959).