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Homeowners Insurance is the insurance policy used to protect your home and contents. Insurance for your house can come in various forms. Taking the time to understand what your policy does and doesn’t cover is essential.
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In its most common form, home insurance is written as a package policy. A package policy occurs when an insured’s home and auto coverage come from the same insurer. Individuals that can keep their home and auto insurance together enjoy significant savings.
The primary purpose of homeowner’s insurance is to indemnify your home against loss. In most cases, the policy also protects personal belongings and additional structures.
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Besides protecting property, most homeowners policies also provide personal liability coverage. This coverage provides protection in the event another party suffers loss due to the negligence of the homeowner.
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We advise homeowners to actively participate in the insurance process. Reading your insurance policy should never be considered optional. Some of the more important aspects to consider are:
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Covered Causes of Loss
Limits
Deductibles especially those state as a percentage
All information used to identify and describe your property
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It is important to remember that certain risks are not covered by the homeowners insurance policy. Earthquake, flood, water backup, sinkhole, as well as other significant risks, are typically offered a la carte.
