What Homeowners Insurance Covers

Homeowners insurance is an important aspect of homeownership. It’s designed to protect you, your family, and your home from unexpected and costly damages and liabilities. But what exactly does your local insurance worker mean when they say homeowners insurance coverage? Let’s explore!

a woman working on a laptop in her bedroom

Fire and Hail Damage

First and foremost, home insurance covers damages to your home and personal property caused by certain covered perils. By covered perils, we mean things such as fire, lightning, windstorms, hail, and theft. This means that if your home is damaged or destroyed by a covered peril, your insurance provider will help pay for any repairs or replacement.

Does It Cover Natural Disasters Too?

It’s important, however, to note that not all perils are covered by homeowners insurance. For example, damages caused by earthquakes or floods are not typically covered by standard home insurance policies. If you live in an area prone to these types of natural disasters, we recommend you purchase additional coverage to protect your home and property.

You Get Liability Coverage

In addition to covering damages to your home and personal property, homeowners insurance also provides liability coverage. Liability coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. For example, if a guest falls and injures themselves in your home and decides to sue you (yikes!) for medical expenses, your liability coverage would help cover the costs.

Coverage for Living Expenses

Homeowners insurance can also provide additional living expenses coverage. If your home becomes uninhabitable due to a covered peril, your insurance company will help pay for temporary living arrangements like a hotel or rental property until your home is repaired or rebuilt.

Does It Cover Personal Property As Well?

Another important aspect of home insurance is personal property coverage. Personal property coverage helps protect your belongings if they are stolen, destroyed, or wrecked. This includes things like furniture, clothing, electronics, and appliances. However, it’s important to note that most of the high-value items like jewelry, art, and collectibles may require additional coverage to be fully protected.

Insurance provider passing pen and paper to a person

Some Other Merits

Finally, homeowners insurance can also cover certain additional expenses like debris removal, building code upgrades, and landscaping. These expenses may not seem significant, but they can quickly add up after a major disaster, so getting home insurance is a must. Essentially, homeowners insurance is an important investment that can help protect you, your family, and your home from unexpected and costly damages and liabilities. You can get home insurance in Indian Orchard by getting in touch with the insurance agents at Western Mass Auto Insurance. We provide local car insurance in addition to office and home insurance