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- Easily Submit your information
- Multiple Insurance companies compete to win your favor (Our Carriers)
- We share your result & zero in on the best one
- Ask all the questions you would like
- Let the Karstens Financial team handle the rest!
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Karstens Financial is an Independent Insurance Broker and Financial Advisor. We are a trusted single point of contact to all your insurance and financial needs.
- Access to multiple companies and a wide range of products.
- Unbiased and objective advice to our clients to find the right coverage even in hard situations.
- Claims Assistance and Advocacy
- One single service contact
Our goal is to have your best interests in mind. Anchor Your Future with Karstens Financial
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Basic homeowners insurance coverages
Dwelling
Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.
Contents
Helps cover your personal property not attached to or built into your house, such as furniture and clothing.
Personal liability
If an accident occurs in your house that damages someone or something, personal liability can help pay for covered damages.
Medical payments to others
May help pay for medical or funeral expenses of someone who is injured on your property.
Ordinance or law insurance
May help pay to rebuild your house to current building codes after a covered loss.
Other structures
Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.
Loss of use
Coverage to help pay for additional living expenses if you’re unable to live in your house due to a covered loss.
Optional homeowner insurance coverages
Identity theft
Helps keep personal data secure amid a growing number of risks and cybercrimes.
Valuables
Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.
Replacement cost plus
Can pay up to an additional 20% of your property coverage limit if your home needs to be rebuilt after a loss.
Water backup
Expands coverage if water backs up through your sewer or drains, or your sump pump overflows.
Earthquake
Provides additional coverage for earthquake damage. A separate deductible applies.
Flood insurance
This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.
Sewer, Water, and Electrical Line (Home Warranty)
Sewer, Water, Electrical Line and Machine Breakdown. A lot of our home insurance now include what we call as a Home warranty program and not much extra cost. Imagine having you sewer line break and having your insurance pay for it. This is a great extra!
Ways to save on your homeowners insurance
Dependable homeowners insurance shouldn’t have to strain your family’s budget. Nationwide helps you get affordable insurance by offering a range of home insurance discounts. Find out which homeowners insurance discounts you qualify for and start your quote today.