There are some things that money can’t buy, like holiday memories or family traditions. But if a loss does occur, do you have enough coverage to protect your family from financial ruin? If you’re like most people, your home is your largest asset. What would it take to rebuild, repair or replace your home at today’s prices? Fortunately, a homeowners policy can provide both protection and peace of mind. Sleep better at night knowing that you and your family will be taken care of in the event of a disaster.
A homeowners insurance policy can provide coverage for:
If a loss occurs, your homeowners policy makes sure your home can be repaired, rebuilt or replaced at today’s prices. This also can include other structures on the property such as a garage, shed or fence.
Your appliances, dishes, clothing and any other valuables are protected, at home or elsewhere. Use a Home Inventory Checklist to itemize your personal belongings.
If someone is injured on your property or if you (or a family member) are accused of injury or damage to others, your homeowners policy may protect your assets from liability claims.
If a loss occurs, your policy may cover some temporary living expenses while you’re waiting for your home to be repaired. This may include shelter, food and relocation costs.
Unique or valuable items, like fine art or jewelry, may require additional coverage. Ask your agent about adding an endorsement to make sure all of your personal belongings are protected.