A person’s home is generally the most expensive investment they will ever make. Not only is it an investment, a home is where families make memories together. Because a home is so valuable in many ways, the homeowner should contact a Homeowners Insurance Company in Worcester MA to protect that investment. There are several ways the insurance would cover the homeowner if a disaster were to happen.
Dwelling Coverage
If a home were damaged or destroyed in a fire, severe weather, or during another covered loss, the insurance would pay to repair the damages. If the home is a total loss, it is important the individual has enough insurance to rebuild the home.
Other Structure Coverage
If a homeowner has a detached garage, a pool house, a shed, or a fence on their property, and the structure is damaged, the insurance would pay to repair or replace the structure.
Personal Property Coverage
If the items in the home were damaged or destroyed by a covered cause, the insurance would pay to replace the items. The same is true if the items were stolen during a burglary.
Liability Insurance
If a person is injured on the homeowner’s property, their liability insurance would cover the injured party’s medical costs and other fees associated with the injury. This insurance also covers damage that occurs off the property. For example, if a child breaks a neighbor’s window with a baseball, the liability insurance would cover the cost of the damage.
Additional Home Coverage
If an individual’s home is damaged or destroyed by a covered loss and they cannot stay in the home, the insurance would cover the cost of the family’s temporary lodging.
Additional Home Coverage
There are certain things that are not covered by the homeowner’s insurance, such as flooding. If a homeowner wants to be covered for anything not covered under the standard homeowner’s insurance policy, they should contact a homeowners insurance company in Worcester MA to discuss their options. There are many homeowners who want as much protection as possible.
For more information on homeowners insurance and the coverage that it offers, contact a homeowners insurance company and Request a FREE Quote.
