Homeowners Insurance
Protect Your Biggest Investment
Your home is more than just a building—it's where life happens. That’s why our customized homeowners insurance is designed to fit your unique needs, giving you peace of mind knowing that no matter what life throws your way, you’re covered.
What we cover
Homeowners insurance protects you from losses and damages to your home, belongings, and more. Whether it's your roof, the contents inside, or even a guest slipping in your backyard, we’ve got you covered. Our comprehensive policies offer:
Protection for your home and belongings
From the walls to the furniture, we’ll help you recover from damage caused by fire, theft, weather, and more.
Liability coverage
Accidents happen. Whether a visitor gets hurt or you accidentally damage someone else’s property, liability coverage ensures you’re not left holding the bill.
Interior and exterior damage
From broken windows to storm damage, we help cover repairs so you don’t have to worry about a thing.
Why The Ford Agency
At Ford Insurance, we know one-size-fits-all policies don’t fit your life. That's why we offer flexible options that adapt to your specific needs. Whether you're a first-time homeowner or a seasoned pro, we make sure you're covered, so you can focus on enjoying your home. Get a free quote today and see how easy it is to protect your home with Ford Insurance!
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
