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Your home is one of your biggest investments. So it makes sense to protect it with the best insurance available.
Homeowners insurance offers you coverage for your home and personal possessions, plus protection against lawsuits.
The Essentials of Quality Protection
If you have a loss, your basic homeowners policy may cover:
1. your home
2. other buildigns on your property
3. furniture
4. clothing
5. appliances
6. many other personal belongings
7. covered items you take while traveling
8. additional living expenses if you have to move out during
repairs
Personal liability coverage provides you and your family with financial protection if someone is accidentally injured or their property is damaged:
1. by you, your children or pets
2. while on your property
Your policy may also cover:
1. costs associated with defending you in a lawsuit related to
injury or property damage
2. you if your credit cards, ATM cards or checks are stolen or
used without your permission
Make sure you have enough insurance on your dwelling to rebuild in case of total loss. Increases in building materials costs and labor rates, along with other factors, can make the amount of insurance inadequate when it comes time to rebuild your home after a loss. Be sure and have a replacement cost analyis done. This will tell you how much coverage you need on your dwelling.
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