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You can’t go without it, and securing sufficient coverage is essential to protecting what is likely your biggest asset. Here’s what you need to know about home insurance.
Also called property insurance, home insurance covers your home and offers compensation to you in the event that you lose your home to a fire, it’s burglarized or other damage occurs. With a solid policy in place, your insurance will help you replace contents of the home that are lost and even make repairs or rebuild the home if necessary.
A home insurance policy also provides liability coverage to protect the homeowner in case an individual is injured while on your property and you are found to be responsible for that injury or damage to the property.
The total amount of damages your policy covers depends on its limit, so it’s important to work closely with your insurance agent to purchase comprehensive coverage.
A home insurance policy will cover a variety of risks that can occur that would be a challenge for you to cover financially, including:
Home insurance acts as a safety net for the structure. Keep in mind that damages and repairs can total hundreds of thousands of dollars. If you had to pay for this out of pocket, it’s likely that it would devastate your personal finances and put your home in jeopardy.
With home insurance, your coverage will kick in. You file a claim and the policy will cover your belongings and the contents of the home, as well as the home itself.
The benefits of your policy depend on a variety of factors, which include:
Don’t take home insurance for granted. Work closely with your insurance agent to choose the optimal coverage that meets your needs, and you can have peace of mind that your home is covered – no matter what happens.
What questions do you have about home insurance?