Your Home owners Coverage

this is a house it's like a lot of houses but with one big difference. it's your house it's where you hang your hat open your mail post cookouts. but most important if the place where you have everything and everyone that

Your Home owners Coverage

means the most

protecting what matters most is what insurance is about and if you're a, homeowner you know how your house works but what about your insurance you know

how it works

do you know how to get the type of coverage that best fits your needs and budget. the one how of ensuring your home homeowners

policies cover three basic

areas structure belongings and liability. structure is your house its roof walls systems garage or other freestanding

building on your property

this is covered against damage due to disaster such as fire. hail wind damage falling objects burst pipes and other events. things to be aware of some types of water damage are covered. you'll need a separate policy for flooding and earthquakes and some things

are never covered like damage from termites and other pests belongings. your stuff is covered against loss due to an ensured event or theft. you're also covered off-site for loss of property where ever you are the things to be aware of create a home inventory to make it easier to keep track of your stuff and.

what it's worth

also you may need separate coverage for high-value objects liability covers harm. to others that happen in your house like prize and other accidents. there are things that can increase your liability risks like trampled pools or

an aggressive pet

you are also covered for additional living expenses. this covers the costs associated with living away from your home if it is damaged by an insured disaster and you can't live in it. how much coverage do you need when purchasing coverage

remember this simple rule in sure to rebuild in the event of a total loss. have enough coverage to replace your belongings

- things to be aware of house prices rise and fall but the cost of building

materials and labor is always going up

so now that you know how insurance works for you take the next step. contact and insurance professional to discuss the coverage that best fits your needs life is about the unexpected that's why there's insurance to cover you against