Home Insurance

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What is Home Insurance?

It takes a lot of hard work, sweat, and tears to become a homeowner. The comfort that comes with finally owning a house and putting your own unique mark on it is unmatched. That is why it is important to find the right insurance company to take care of your property. 

Homeowners insurance is a combination of coverage that can help pay for repairs or replacements of your home and belongings if certain perils damage them. Typical perils included in homeowners insurance include fire, lightning strikes, windstorms and hail, vandalism, theft, falling objects, and water damage. Another coverage you may find in most homeowners insurance is protection for accidental damage to another person’s property or an injury to a visitor.

The Benefits of Home Insurance

One of the most significant investments a person will make in their lifetime is purchasing a home. With such a large asset, it is easy to see why many people get homeowners insurance before they even step foot into their new home. 

Mother Nature is completely unpredictable. With that comes a multitude of hazards, including wind damage, fire, thunderstorms, and falling debris. On top of this, you have other circumstances that could damage your property, including vandalism. Even the smallest amount of damage could mean thousands of dollars out of your pocket to fix the issue. With homeowners insurance, you will only pay a fraction of the cost and be protected from any unpredictable events.

Dwelling Protection

Most homeowners insurance policies provide dwelling protection, which will provide coverage for the structure of the home you live in. Depending on the type of plan you have, other attached structures, such as garages or decks, may be insured against specific risks.

Other Structure Protection

The majority of homeowners insurance plans will also include coverage for stand-alone structures on your property that aren’t attached to your home, such as a detached garage, shed, or even fences.

Personal Property Protection

One of the most significant benefits of homeowners insurance is the ability to provide coverage for personal belongings inside the home. Personal property protection may come in handy if a fire damages your home, any items are stolen during a break-in, or you sustain any other type damages that are listed in the policy. There are also other options you can purchase to extend coverage to items such as jewelry, watches, and wedding rings.

Liability Protection

Liability coverage and protection are important to have with homeowners insurance as it provides coverage if someone not living in the home is injured while on your property. If the worst happens and a guest falls in your home and injures themselves, this coverage will help pay for legal expenses and medical bills.

To find out more about home insurance, give us a call at (920) 349-9700 and talk with one of our agents to receive a free quote.