When purchasing a home, it’s important to have the right homeowners insurance coverage. Some of the primary coverage parts include:
“Dwelling” coverage insures for covered damages to your home.
“Personal Property” coverage reimburses you for a loss that’s caused by damage or theft of your property. It covers personal items such as appliances, electronics, furniture, clothing, housewares, etc.
“Other Structures” coverage insures structures not directly attached to your home. This would include detached garages, fences, sheds, etc.
“Loss of Use” coverage pays you in case of a covered event that requires you to live elsewhere due to damages that cause our home to be uninhabitable.
“Medical Payments” coverage is a coverage that benefits other people that get hurt on your property due to an injury. This could include injuries to guests from a slip and fall, pet bites, etc.).
“Personal Liability” coverage protects you financially from lawsuits due to accidents at your home (such as injury to a guest). It also covers liability for injury or property damage you cause to others while away from home.
Call Landahl Insurance Agency today and for a local agent to help you with your home insurance needs.
