What is Home Insurance?

A standard home insurance policy insures your home’s structure (house) and your belongings in a destructive event, such as a fire.

In addition, home insurance policies are generally “package policies.” This means that the coverage includes damage to your property and your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets).

What are the different types of Home Insurance coverage?

A home insurance policy usually covers four incidents on the insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property.

Home insurance does not cover everything, no matter your policy limits. For this reason, it’s a good idea to customize your policy with additional coverages to suit your specific situation.
Some optional add-on coverages are Earthquake Insurance, Flood Insurance, Replacement cost plus, Other structures insurance, Personal umbrella liability insurance, and many more.
Get in touch with us, and we can guide you in choosing the right combination of coverages that suits your needs.

The importance of Home Insurance

The following are reasons why you should have homeowners insurance.

Owning a home will probably be your biggest investment throughout your life. Your home will probably be your safe nest for years to come. Protecting your home with insurance will give you a sense of security.

If something happens to your home’s structure under your insurer’s policy, home insurance will cover the cost of rebuilding your home.

Home insurance will cover the cost of your belongings in the event of severe damage. Small items add up quickly, even if you don’t own that much or if you don’t have many expensive belongings.

Although you would never intend for someone to get hurt on your property, accidents do happen. Protect yourself from the unexpected with home insurance.

While buying home insurance, you must map the coverage to your different needs. Talk to us, and we can help you select the right coverage for your needs.

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