If something happened to your home, how would you cover the cost to replace your possessions and repair the damages? Having the proper coverage in your home owners insurance policy is critical to ensure that you can sustain the financial burden that comes with damage to your home.

If you carry a mortgage on your home, home owners insurance is required. Even if your home is paid for, the contents of the home would be very expensive to replace, not to mention the expense of rebuilding or repairing the home.

So what kind of a policy do you need? While your individual coverage needs may vary, most policies have two parts:

Home insurance property protection generally covers the dwelling, other structures, personal property and loss of use.

Home insurance liability protection usually covers personal liability and medical payments.

As with most insurance policies, there is usually a deductible when filing a home insurance claim. Your policy will be determined by the named perils and exclusions. Don’t worry, there’s no need to be an expert in this area. Our friendly, experienced insurance professionals can help answer any questions you have about home owners insurance.

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