Home Insurance

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You've likely invested quite a bit into your home — money, time and emotional sentiment. With so much poured into attaining and maintaining your living quarters, it's crucially important that you protect your investment. Homeowners insurance can protect you financially against everything from weather damage to liability risks, often at a price that won't break the bank.

Because everyone's needs are not the same, it is best to consult a trusted agency like Integrity Network Insurance Group, LLC to help assess your needs and find the insurance policy that is right for you.

What Is Home Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why Do You Need Home Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things To Consider And Questions To Ask Your Agent

Here are few things to discuss with your agent that will influence your decisions.

• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
• What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Additional Resources:

• Avoiding Mold from a Flood
• How to Save on Home Insurance
• How to Use a Fire Extinguisher
• 6 Ways To Make Gutter Cleaning Easier
• Practice Fire Safety When Using Heating Devices
• Preparing for Winter Can Help to Prevent Fire Risks and Related Insurance Claims
• Read more home insurance articles here.