A wide range of coverage options is available via home insurance; each intended to provide extra security against certain risks. For example:
Structure protection insurance protects your home from disasters like fires, storms, theft, and vandalism.
Fences, carports, gazebos, and detached garages are all examples of outbuildings that your policy will cover.
Personal property insurance helps replace stolen or broken items. Everything in the house, from appliances to pantry staples to computers, may be insured.
Your policy's liability protections cover damage to others or their property caused by your carelessness. Most policies will reimburse you for damages sustained anywhere, not just where you live.
Protection for additional living costs if you temporarily leave your home due to damage. Allow this policy to pay for things like meals and lodging.
Because your house is one of a kind, you may even further customize your perks by selecting from alternatives like:
- Add-ons for Calendared Items
- Protection for your belongings up to their replacement cost
- Extra-limit liability coverage
- Water damage coverage
- Endorsements in case of earthquakes and high winds
- Accident coverage for your pet
We will constantly work with you to ensure your plan is optimized for your needs by adjusting deductibles and maximums.
How much property insurance must I purchase?
Before approving a loan, most mortgage companies insist that homebuyers verify they have homeowners insurance. In most cases, they'll insist that you have dwelling coverage equal to the replacement cost of your house.
You should include this perk in your insurance plan regardless of whether or not the law mandates it.