When thinking about homeownership in Texas, you shouldn't forget to invest in home insurance from Agent Near You LLC. Homeowner's insurance protects your prized investment from numerous perils, including fire, theft, vandalism, and many natural disasters.
But how much do you know about home insurance? Do you understand the coverages available? If you are not familiar with home insurance, this blog is for you. Below are home insurance coverages to consider:
Perhaps, this is the most common reason why many people buy home insurance. This coverage repairs or rebuilds your dwelling when damaged by perils like fire, hail, and so on. Besides, home insurance covers other detached structures like a garage and swimming pool, but at an additional premium. This way, you don't have to incur out-of-pocket expenses when covered risks strike.
Pro-tip: Read your home insurance policy carefully to understand its exclusions. Typical home insurance doesn't cover damage arising from floods, intentional damage, earthquakes, pest infestation, and sewer backups.
Home insurance protects you when you cause property damage and bodily injury to others. For instance, home insurance covers you when your dog bites a neighbor.
Loss of use
Since we don't live in a perfect world, your house can be damaged by perils like fire, rendering it unlivable. When this happens, you will have to look for temporal shelter, incurring expenses like hotel food and accommodation in the process. However, managing additional living expenses becomes easy when you have home insurance coverage.
Personal belongings coverage
Home insurance covers your belongings if they get lost or destroyed by a covered loss. But for you to make sure all your belongings are covered; you need to prepare an inventory list from room to room. This way, you can be sure that all your assets are accounted for when filing a claim.
Buy home insurance today!
Are you looking for home insurance to protect your Massachusetts home? Don't hesitate to get in touch with Agent Near You LLC for all your home insurance solutions.