More About Homeowners Insurance

Home insurance typically includes two types of coverage: structural coverage and contents coverage. Structural coverage includes the physical structure, any permanent fixtures and any additions to the house, like decks or pools. Contents coverage protects items inside your home like furniture, electronics and appliances.

No matter what type of policy you choose, there are a few common elements found in most home insurance policies. These include liability protection, which helps protect you if someone is injured on your property; medical payment coverage for injuries related to accidents; and extra expense coverage, which provides reimbursement for living expenses incurred as a result of a covered loss.

The amount of coverage you purchase will depend on your individual needs. A local insurance agent can help you determine the best policy for your situation and provide advice about potential discounts or other benefits that may be available.

Homeowners should review their home insurance policy annually to make sure it still meets their needs. Since building costs and repair materials change over time, it’s important to adjust your policy accordingly to ensure you have adequate protection in case of an unexpected event. With the right plan in place, homeowners can rest assured knowing they’re protected from life’s unexpected events.

Assisting with your Homeowners Coverage

We can help you choose from the many coverage options available to determine the ideal amount of protection for you and your family. Further, we can shop your policy to multiple carriers and find you the lowest rates possible. Call us or click the quote button to find out more about how our team can help.