Homeowners Insurance

What does homeowners insurance cover?

Homeowners insurance is a policy that provides protection against disasters and other issues that can hurt you financially.

In most cases, home insurance is in the form of a package policy that covers the following:

• The structure of your home
• Your personal belongings
• Liability protection
• Additional living expenses should you be displaced from your home due to disaster

What type of homeowners insurance do you need?

Coverage for these things varies depending on your policy. Contact one of our licensed insurance agents to learn more about the perfect coverage for your home.

Typically, you can create a comprehensive policy with your insurance agent that provides adequate coverage in the areas you need it. Homeowner’s insurance ensures that you and your family will be safe from liability issues and property damage. Included in liability issues, typically, is injury or property damage that you or a member of your household causes to another person.

Some policies will also include damage caused to other people by household pets. Your home is covered for damages caused by most disasters. Typically, floods, earthquakes, and normal wear and tear are excluded from homeowner’s insurance coverage.

Wind and hail damage to roofs are often covered within the homeowners policy. If your roof is damaged, consider getting a free roof inspection and free estimate for roof repair and roof replacement from Weather Stop Roofing™. They can perform your roofing service whether it is covered by your insurance policy or not.

Supplemental policies can be purchased to cover floods and earthquakes.