When obtaining insurance that will supplement your homeowners policy, it is important to know what your homeowners policy does and does not provide for.

 

In order to identify the First Protector plan that's best for you, ask yourself these questions:

 

If my home is destroyed or my land becomes permanetly uninhabitable:

 

First Protector can solve these types of problems by providing you with valuable supplemental benefits most homeowners insurance policies do not.  First Protector:

 

Pays your mortgage, when you can't live in your home. Disasters can happen with little or no warning. If a covered loss prevents you from living in your home temporarily, First Protector insurance pays your monthly mortgage payment for up to two years or a portion thereof, regardless of all other insurances you may have, including homeowners.

 

Pays your homeowners policy deductible. First Protector will reimburse you the deductible on your homeowners policy up to $1,000, not once, but twice in one year, in the event you suffer more than one loss in the same year. In most states you can select either a $500 or a $1,000 benefit to best align with your homeowners policy deductible amount.

 

Pays your mortgage, when you lose your job. An unexpected event, such as losing your job, can leave you wondering how you will be able to make your mortgage payment. Involuntary Unemployment benefits are offered with the flexibility to cover your entire monthly mortgage payment (subject to a maximum) or a portion thereof, so you can select a benefit amount that best fits your budget. If you depend on two incomes for your mortgage payment, you can select joint coverage that in the event either you or your co-borrower were to become unemployed, your mortgage is protected. With joint coverage, you are also able to select a benefit amount that covers your entire mortgage payment, or a lesser amount to better fit the portion contributed by you or your co-borrower's income. 

 

Helps with out-of-pocket expenses. If a situation forces you and your family to move from your home because it was damaged or destroyed by a covered loss, you will likely face many unexpected out-of-pocket expenses. With Emergency Cash you can choose a $500 or $1,000 benefit amount. This benefit puts extra money in your pocket to further assist you in paying for repairs, living expenses, or anything else you may need as a result of being displaced from your home. Simply select the amount of emergency cash you feel is adequate to help with your expenses.

 

Provides emergency communication and/or contractor service options when you need them most. 

 

 

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