Get the proper insurance protection for your home.
As Dorothy so aptly said, “There’s no place like home.” Your home is a place of refuge, comfort, and safety, and for most people, it is also their most valuable asset. It is the place where you share memories, build relationships, and create a life with your family. Safeguarding your home with the right insurance policy can give you peace of mind and protect you from risk.
A homeowners insurance policy protects you from financial losses due to fire, vandalism, burglary, storms, accidents, floods, and other incidents. Whether you live in a house, apartment, or condominium, a proper homeowners insurance policy will provide the funds you need whenever there is property damage or loss, allowing you to repair, restore, or replace your home and belongings.
By acquiring a comprehensive homeowners policy, regardless of accidents, crime, Murphy’s Law or Mother Nature, your home will be fully protected and you will be shielded from financial loss and setbacks.
Homeowners Insurance Protections
A standard homeowners insurance policy will protect you in important ways.
DWELLING COVERAGE
This part of your homeowners policy will provide coverage for the home’s structure and the property that it is built on. It also includes additional structures like a garage or storage shed.
PERSONAL PROPERTY COVERAGE
Your policy will also provide coverage for any personal property or household items that are stored and kept in your home. These include furniture, electronics, appliances, clothing, household goods, decorations and furnishings. Policies will have different limits on coverage amounts and additional riders may be required for expensive items like instruments, camera equipment, jewelry, etc.
MEDICAL PAYMENTS COVERAGE
If someone is injured while on your property or because of the actions or negligence of someone in your household, including the family pet, this part of the policy will pay their medical bills. It does not cover you as the homeowner or any member of your household.
COVERAGES HOMEOWNERS MAY NOT BE AWARE OF
THEFT OFF PREMISES
Most policies automatically insure against loss or theft of personal property, even if that property is not on the actual insured premises at the time of loss. If you go to the airport with several suitcases and they are stolen, this may be covered.
ADDITIONAL LIVING EXPENSES
Your homeowners policy will usually cover your living expenses if you have to vacate your home for repairs or restoration when there is damage or loss. If used, it would reimburse you for rent, hotels, restaurant meals, or other incidental costs while the repairs are being made.
Talk with your agent and/or insurance company for details.