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.
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.
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.
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.
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.