Homeowners Insurance

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Did you know, on average, a home is the most expensive purchase most Americans make in their lifetime?  As an independent agency, Fortress Insurance Solutions has access to many different homeowners insurance carriers to provide the right protection for your unique needs. No two homes are alike, and, therefore, no two risk protection plans should be alike either. Let Fortress Insurance Solutions tailor a homeowner's insurance plan for you today! Protect your home with homeowner's insurance from Fortress Insurance. 

At Fortress Insurance Solutions, we make sure your homeowner's policy covers your home's replacement value in the event of damage or the total loss of your home. It can be difficult to understand the difference between the replacement value and your home's market value. The market value of your home is what another buyer is willing to pay for it. The replacement value is what it will actually cost to rebuild or restore your home to its condition before the loss or damage to your home occurred. Replacement value can be higher than market value due to many factors such as the cost of building materials and labor. In the event of damage or a total loss of your home, it's important to be sure your homeowner's policy covers the cost of replacing or repairing your home. 

Personal Liability

One of the most important protections offered in your homeowner's insurance is personal liability coverage. This coverage protects you and your loved ones against lawsuits for injury or property damage you may cause to another person AWAY FROM HOME.  It also pays for injuries or damages to another person or their property caused by your pets. In addition, personal liability protection pays for the cost of defending you or your loved ones in court should a lawsuit be filed against you. There is no deductible for personal liability claims before the policy begins paying in the event of a claim. It's very important to buy enough personal liability coverage to protect your hard-won assets like your home, business, investments, and retirement accounts. At Fortress, we assess your risk and recommend the right amount of personal liability coverage needed. If you own property or have investment accounts (including retirement savings) worth a great deal more than the amount your personal liability will pay, we recommend an umbrella policy to protect you against losing what you've worked so hard to build. 

Other important things to consider when purchasing homeowner's insurance are the valuables in your home and possible injury to guests visiting your home. Protect the valuables in your home, such as jewelry, computer equipment, and antiques, from theft or damage. Your homeowner's insurance also protects you financially if a guest is injured in your home and protects you from harm to others if you own a pool, hot tub, trampoline, or anything else where guests could be hurt. At Fortress Insurance Solutions, we work with you to develop a protection plan to cover any of these kinds of things that could happen in and around your home, resulting in a lawsuit against you. Keep in mind that if you don't have insurance to pay for these types of losses, very often you end up having to sell what you own or taking money out of investment or retirement accounts to pay if you are found at fault. 

We specialize in homeowners insurance:
  • Personal Liability
  • Umbrella Liability 
  • Valuables
  • Other structures: workshops, fences, etc
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Fortress Insurance Solutions

Protecting futures, building relationships

A caring, customer-serving insurance agency that provides fantastic auto, homeowners, business, farm, and life insurance rates for our neighbors and friends.

708 Lafayette Avenue, Suite 2 
Camden, SC 29020
Phone: (803) 272-4585

Contact Us Today!