Your home matters to you. We understand that you want your home to be protected in the event that it is damaged. Homeowners Insurance provides not only that layer of protection but also the security that you and your family deserve. Because we know that your home is where your memories are made, we understand that the insurance policy should provide you the peace of mind when it comes to the unknown. We are here to ensure that you get the policy that you need to protect what matters most to you.
What Doesn’t A Homeowners Insurance Policy Cover?
One of the biggest concerns is understanding what Homeowners Insurance actually covers. You’ll be happy to learn that it actually can cover quite a bit, and help you recoup some of the costs associated with damages. There are numerous things that a Homeowners Insurance policy may cover. The core items included are:
- The structure of your home
- Your belongings
- Liability protection
- Living expenses
A policy usually covers costs associated with fires, earthquakes, floods, theft, and other things that are associated with damage or loss of your home. Your policy should clearly outline what is included. In some instances, you may need to purchase additional coverage.
When speaking to an insurance broker about the coverage of your home, don’t be afraid to ask questions about what is and is not included in your policy.
How Much Coverage Do I Need?
One of the most difficult decisions regarding Homeowners Insurance is narrowing down just how much coverage you actually need. A good rule of thumb is to purchase a policy that is equal or greater to the cost of replacing your home as well as the belongings inside of it. You’ll need to have a clear understanding of the worth of your home as well as a full inventory of the things that you own.
Who Should Acquire a Policy?
If you own a home, then you certainly should obtain Homeowners Insurance to help with any of those unexpected costs that may arise. If you have a mortgage on your home, most lenders require that you have an insurance policy on your house. When choosing the right policy for you, consider the weather where you live, the likeliness of natural disasters, as well as the value of your belongings to ensure that you have the appropriate coverage for your situation.
Reach Out To Experienced Personal Insurance Brokers
Southern States Insurance has years of experiencing helping clients just like you. Allow our expertise to guide you through the insurance decision-making process. We are here to help you make the most informed decision that will protect your wallet and your home. Contact us for more information by calling us at 888.971.6304 or request a quote online today. We are happy to help craft a customized Homeowners Insurance plan that is right for you and your family.