What’s in Your Basic Homeowner’s Insurance Policy?

If you own a house, you are sure to need homeowner’s insurance. While there are plenty of options for buying such policies, you may struggle to know if you are getting exactly what you need for proper protection.

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Let our firm help you break through all the hype and learn exactly what is needed for a good homeowner’s insurance policy. Then we can guide you in picking out just the right one for your unique situation.

According to the Insurance Information Institute, here are a few points that are covered by basic homeowner’s insurance policy.

Structure

This part of the policy covers repairing or rebuilding your house if it is damaged in a variety of disasters like fire, tornado and even hail. Homeowners policies do not cover flood damage. Additionally, your policy will most likely cover other structures that are not attached to your house like a tool shed or garage.

Personal Belongings

Homeowners policies also cover your belongings, both in the house and off the property. Since the dollar amount of what is covered is based on the amount of your policy, it is important to make sure you have enough covered to protect you if your belongs are stolen or damaged. We can help you figure out the most appropriate amount of coverage you need.

Liability Protection

Another facet of this kind of insurance is liability protection. Basically, it covers you against lawsuits from property damage or personal injury that either your or your family members cause. It even covers damage done by your pets.

Homeowner’s insurance is something usually not thought about until you need it. Yet, it plays an important role in protecting your family and your property. Contact us today to go over your current policy or to look into getting a new one.

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About Schumacher Insurance Agency

Why trust us? What do we do different than every other insurance agency? Consider this an invitation to get to know us. We believe we are an exceptional team of protection specialists that work hard to do things the right way, to educate our clients on insurance, and make the experience effortless. We are excited to introduce a new insurance experience for our customers. We encourage you to speak with our team who can show you how different we are… from text messaging services for late payments to educational insurance concepts on Facebook. We will prove our innovative approaches to obtain the proper coverage’s for you, your family, your business. Insurance is likely not the most interesting affair for everyone, but it is most certainly ours! Yes, we are insurance geeks!

Posted on July 12, 2015, in Agency, Uncategorized. Bookmark the permalink. Leave a comment.

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