Homeowner’s insurance varies from company to company, but a basic policy typically covers your home and outbuildings or other structures on your property. Your homeowner’s policy may also include:
- Personal liability. Personal liability insurance covers damage or injury to someone else’s person or property, for which you are responsible.
- Liability. If someone is injured on your property, liability insurance provides legal protection to the homeowner.
- Loss of Use. Should your home become uninhabitable because of an issue covered by your policy, a loss of use policy will help pay your living expenses while you are out of your home.
- Increased coverage for personal items. For homeowners with large amounts of jewelry, electronics, or other valuables, additional coverage may be purchased. Standard homeowner’s policies may not cover the replacement costs of large amounts of jewelry or other high-dollar items, so additional coverage is available.
Purchasing homeowner’s insurance is a smart investment to protect your future. Talk with your independent insurance agent today to find out what type of homeowner’s policy is right for you.