Safe-keep your place of refuge
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Safe haven – home is where you build your strongest support system and create memories with them. However, this may be interrupted if your home is not sufficiently protected. Who protects your home the same way it protects you?
Homeowners insurance should help you cover expenses on repairs of your home, replacement of your personal belongings, payment for your additional living costs if you’re temporarily unable to live in your home, and protection of your financial assets on condition of liability to others. Let your home be the shelter of all storms at all times by choosing the right coverage.
Various reports say that the average premium of homeowners insurance ranges from $1,680 – to $1,899 annually. However, coverage rates vary due to several factors such as the state laws, location of your home, and repair costs. Here are the typical coverages for home insurance:
Dwelling Coverage can help repair or replace your home that was damaged by a covered cause of loss. This coverage pays for the structure of your home, installing fixtures, and permanently attached appliances.
Additional Living Expense Coverage can help pay for costs that exceed your usual expenses such as a hotel or temporary rental fees, restaurant bills, or boarding costs for a pet while you’re unable to live in your home due to a covered loss.
Personal Property Coverage can help reimburse your personal belongings that are damaged or totally destroyed by a covered cause of loss.
Liability Coverage can help pay for medical expenses and repair costs in case you accidentally caused injuries to others or damaged their property.
Other Structures Coverage can help protect structures that are not permanently attached to your homes such as detached garages, fences or pools.
Apart from these standard coverages, you can also have additional coverage such as flood insurance, landlord insurance, and mobile home insurance.
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