Home Insurance

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Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

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What Home Insurance Covers if There's a Loss

Damage to Your Home

First and foremost, home insurance covers damage to the physical structure of your home. This damage can be caused by any number of things, including fire, hurricane, hail, lighting, a random tree falling on your house, etc.

Your Personal Belongings

The items inside your home have value, as they would cost money in order to replace them should you lose everything or items are stolen. Household goods, such as furniture and sporting equipment, as well as electronics, jewelry, and guns are covered, although there may be limits in place with luxury items, such as jewelry and guns.

Other Structures Damaged

If you have a shed, a barn, a pool, a gazebo, or other outdoor standing structures, these are covered if they should be damaged.

Liability Coverage

If someone is hurt inside your home during an event, their medical expenses will be covered. Liability protection also protects you against lawsuits for bodily injury or property damage that you, family members, or even your pets cause to others while on or in your property.

Additional Living Expenses

Additional living expenses cover your hotel costs and meals if your home is rendered unlivable due to an event, such as a fire. These stay in effect while your home is being rebuilt, too. Be sure to check on limits, however. If you rent out part of your home and it is damaged, this amount will be paid out to you, too.

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What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners' insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

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