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Homeowners Insurance Information
Buying a home is a major investment. Over the years, add in maintenance costs, possessions and upkeep, and you have a costly investment.
Homeowners insurance, also known as home insurance, is a form of property insurance policy that provides coverage for a private residence. A homeowners policy typically covers losses and damages to your personal residence, as well as furnishings and other assets within your home.
If you harm someone else or damage their property, homeowners liability insurance can compensate them. Coverage often pays for incidents on or off your property.
Most mortgage lenders will require a homeowners insurance policy.
Homeowners Insurance Basics:
Standard homeowners insurance policies are generally referred to as package policies. This means they may provide coverage both if damage to your property occurs and if you or a family member are liable or legally responsible for another person’s injuries or damages to their property.
Homeowers insurance may provide a variety of protections against property damage or loss. It generally includes coverage for the structure of a home damaged by fire, hail, lightning, or other disasters listed in the policy. This protection may extend to unattached structures like tool sheds and garages and to fixtures attached to land such as fences and patios. Trees and shrubs may also receive coverage.
Homeowners insurance policies may also cover personal items in the event they are stolen or damaged. Belongings like furniture and clothing typically qualify for coverage and more expensive items like jewelry may be listed on an itemized schedule for additional coverage.
Additionally, homeowners insurance policies may provide payments in the event you are unable to live in your home due to a covered event such as a fire. This loss of use coverage may be an additional safety net if unfortunate circumstances arise.
Liability coverage is often included in homeowners insurance and protects against financial losses from lawsuits. These lawsuits may arise when you or a family member causes property damage or bodily injury to another person. This part of the policy may pay for both the cost of litigating the event and the cost of the judgment up to the policy’s limits.
Additionally, if a visitor is injured on your property, medical payments coverage may help cover their expenses. This coverage allows payments to be made without a liability claim filed against the policyholder.
The cost of homeowners insurance varies on several factors, including the home’s value, size, and location. The agents at Esplanade Insurance Agency have the knowledge and expertise to help find the best plan to fit your needs and budget. They are available to assist you in putting together a quote that can ensure you have the necessary protections in place.
What does home insurance cover?
As mentioned earlier, homeowners liability is just part of a comprehensive homeowners insurance plan. Other important areas of coverage include:
Your homeowners insurance policy may not cover flood or earthquake damage. Talk with your insurance agent about these types of coverage.
Structure protection: Insures your house, garage and often detached buildings on the property. Often provides coverage in case of damage from fires, weather, theft or other hazards.
Possessions insurance: Pays for damaged belongings. Protection might cover everything from food in the pantry to computer systems.
Liability coverage: Additional expense protection: Do you need to move out temporarily after an accident? Let this coverage reimburse you for expenses such as dining or hotel bills.
Are all kinds of home insurance alike?
Your home is unique, from its shape and size, to the materials used to build it. In addition, your possessions have wide-ranging values. Any loss is costly, so you’ll want to maximize your benefits.
Homeowners coverage is critical to your overall financial well-being. Having a policy means you don’t have to pay for covered home damage in-full, out of pocket.
Ensure you have enough structure protection to rebuild the home. Keep in mind, the construction value differs from the cost to buy a new home.
Ask your insurance agent to adjust your possessions coverage to match the full value of your belongings as closely as possible. That way, you’ll have fewer limitations when making a claim. Keep in mind, some policies will limit how much they pay per item.
Your policy likely includes a deductible on damage. It’s a good idea to take as high a deductible as you can manage—this may lower your premium cost.