Homeowners insurance is a form of property insurance that provides coverage for a private residence. No matter if you are a first time home buyer or just looking to insure your current home, we have the options to properly protect one of your largest assets.
Home Insurance Coverages
Repair/Rebuild Your Home And Other Structures
If Home insurance pays to repair or completely repair your house, materials inside like your kitchen countertops, attached and detached structures such as your garage, deck, porch, swimming pool, sheds, fences, etc.). Be sure to review your current policy and/or new quote closely with your agent to ensure that you have important endorsements included on your home policy to cover you for every claim situation you can think of.
Temporary/Additional Living Expenses
If you can not stay at your home during the repair or rebuild process, your homeowners insurance covers hotel stays and even meals (above what you'd normally pay). In addition you may also see Temporary Living Expenses cover unexpected expenses you did prepare for such as boarding your fur babies (dogs, cats, etc.) if your temporary housing does not allow animals.
Injuries And Lawsuits Against You
This coverage is often referred to as personal liability and covers property damage and injury lawsuits. That means if you or your family members are responsible for someone else's injuries or cause damage to their property. You can add coverages for libel, slander, and other lawsuits.
Your Personal Possessions
Furniture, clothes, electronics, appliances, tools, power equipment, etc. are covered (often: even if they are not in your house). To get extra protection you may have to add a separate rider or policy to properly protect jewelry, art, or other expensive items at full value.
Optional Coverages And Endorsements
Increased Special Personal Property
& So Much More