Home Owners Insurance

Over the decades that Hardin Insurance has provided homeowners insurance to our clients, we have experienced a shift in the average person’s understanding of homeowners insurance.

Once it was considered the last and best protection for our way of life.  Homeowners insurance was written to protect one of our greatest assets and maintain our standard of living.  Sadly, many people now view homeowners insurance as a commodity, a mass produced unspecialized product.  Our 30+ years of representing multiple companies has shown that this is not always the truth.  The policy provisions, exclusions and deductibles have a huge impact on the insured at the time of a claim.  Some choose to buy the most cost effective insurance regardless of coverage.  Those people suffer claims adjustments that force them to accept a reduced standard of living.  The cheapest policy is rarely the best policy for you.  Let the insurance professionals at Hardin Insurance Inc. assist you in finding the best insurance with the right company.