Your home is a place you are fulfilling with your loved ones and it might be the biggest investment you’ll ever make. As a homeowner, you always want to protect that nest investment.

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A Homeowner Insurance Policy will cover the following:

• The structure of your home

• Personal possessions (up to a set limit)

• Living expenses in case of a disaster

• Liability

 

Here is some valuable information to consider when determining how much home insurance coverage you will need.

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• Dwelling: Pays for damage to your house and to the structures attached to your house.

• Other Structures: Pays for damage to fences, tool sheds, freestanding garages and other structures that are not attached to your house.

• Personal Property: Reimburses you for the value of your possessions, including furniture, electronics, appliances and clothing.

• Loss of Use: Pays some of your additional living expenses while your home is being repaired.

• Personal Liability: Covers your financial loss if you are sued and found legally responsible for injuries or damages to someone else.

• Medical Payments: Pays medical bills for people hurt on your property or hurt by your pets.