For most people, their home is their biggest investment that they will ever make. Don’t make the mistake and not get proper insurance for this investment. Your homeowner’s insurance covers not only your home, but it also covers your belongings inside, such as your bedroom set, living room furniture, and more. Not only that but it also usually includes liability coverage as well for injuries and property damage caused by you to others. Call Craig & Preston Insurance Agency and speak with them to get all of your questions answered and make sure you have the right coverage in place.
Coverages You Find In Homeowners Insurance
Home insurance can have several different components, and its important to understand what each piece means for you. The first piece is the property portion, which includes your home, garage, plus any additional outbuildings that you may have on your property. This helps to pay for repairs should they get damaged. The next piece is your personal property that is inside of these buildings. Things like electronics, clothing, jewelry, guns, and more are all addressed in the personal property portion. Liability is another piece of the puzzle, and this protects you if someone gets injured while on your property or if their property, such as a car, is damaged while on your property. Other aspects could include medical expenses, living expenses, and more. Speak with your Craig & Preston Insurance agent to have them get you all of the right coverages for your needs.
Home Insurance Doesn’t Have To Be Expensive
It’s important to understand that no two homeowners’ insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements, and riders, and have different conditions and limitations. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
And while there are many different parts to a full homeowners policy, the sum of those parts do not need to be prohibitively expensive. One of the important aspects of Craig & Preston Insurance Agency is that they are an independent agency. What this means is that they can review your needs, and then shop the market for the best pricing on the policy that you need.