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What Does Homeowners Insurance Cover?
Homeowners insurance covers so much more than just your house. Homeowners also covers other structures on your property (barn, shed, fence), your belongings (furniture, clothes, electronics), lawsuits, and even temporary living expenses during home repairs. And yes, these coverages come standard at no extra cost. Just get a homeowners insurance quote, and you can see all your coverages.
Why you need homeowners insurance?
Your home is more than just a roof over your head. Chances are it’s your most valuable investment, and one you likely can’t afford to replace if disaster strikes. That’s why protecting yourself with homeowners insurance is so important.
Choosing your coverage limits and deductibles
When it comes to dwelling coverage limits for your house, you want to cover the rebuilding cost of your home. Don’t confuse this with the purchase price or real estate market value. The rebuilding amount is based on local construction costs. If you insure the home for real estate market value, you risk not having enough funds for repairs, and could have to pay the difference on your own. Or you might end up over-insured.
Please see the policy for full terms, conditions and exclusions. Coverage is dependent on actual facts and circumstances giving rise to a claim. Insurance, Network is an insurance agency licensed to sell property-casualty insurance products and receives compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing.