Every home owner should have financial protection to cover their home and personal belongings in case any type of disaster should occur. That's exactly why you need a standard home insurance policy! Most home insurance policies are packaged, which means they cover both damage to your property along with your liability and legal responsibility for any injuries and property damage you or members of your family cause to other people, including household pets. Standard policies include four essential types of coverage which we will go over below.
Structure - Home insurance will cover the structure of your house. That means paying to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lighting, or other disaster listed within your policy. Most structure coverage doesn't cover flood damage as this must be purchased separately.
Personal Belongings - Insurance plans also cover most personal belongings inside your home. That includes furniture, clothes, sports equipment, and other items if they're stolen, destroyed by fire, hurricane, or other insured disaster.
Liability - Liability protection will cover you against any lawsuits which may occur because of bodily injury or property damage caused by you or a family member to another person. It also covers any property damage created by your pets.
Additional Expenses - You'll also be protected against any potential living expenses which occur should your home become unlivable due to a disaster. If for any reason you cannot live in your home due to fire, storm, hurricane, or other insured disaster, additional living expenses will be provided for you to live on.
With so many good reasons to have a trusted home insurance plan, there's no reason you shouldn't be covered! If you currently live in a home and don't have insurance then we recommend visiting one of the partners listed throughout our website. We guarantee you'll find the best plans at the lowest prices for standard coverage. Don't wait until it's too late - Get your free home insurance quote now!