Properly insuring your home in case of a loss will help protect you financially in the instance you suffer a loss due to fire, theft, vandalism, or any other covered events. It also covers you in the event that someone gets injured while on your property.
There are different coverages that make up home insurance. A few important ones that you should know about are:
*Dwelling Coverage: Structural damage to the home. This limit is NOT the market value of the home. This is how much it would take to rebuild your home in the event of a total loss. This limit can change year to year depending on the cost of goods and cost of service.
*Personal Property: Anything that is inside of your home that would be ruined due to a peril such as couches, kitchen items, electronics. You would want to add any items such as engagement rings that are higher value as an personal articles floater.
*Liability Protection: This is a big one! This protects you in the case that someone where to make a claim against you for injuries that occurred at your home.
Worried about not having enough coverage? An Umbrella Insurance policy will help extend your coverage.
Bundle and save when you quote your auto insurance also!
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