
Every home comes with its own set of benefits and risks. Quality home insurance can help give you peace of mind no matter where you live.
It depends where you live, but standard homeowners insurance policies will typically help pay to repair damage caused by certain risks or perils, including: Theft, Fire and smoke, Windstorm or hail, Falling objects, Frozen plumbing, Water damage from plumbing, water heater, appliances and heating or cooling systems.
Insurance will pay for temporary fixes so further damage does not occur while waiting for permanent repairs.
Home insurance will help pay for repairs or rebuilding if your home is damaged by events like fire, storms, flooding, etc. It also covers theft of your belongings.
If someone gets injured in your home or by your actions and sues you, liability coverage can pay for their medical bills and legal fees. This protects you from potentially high out-of-pocket costs.
Most lenders require you to have home insurance if you have a mortgage, to protect their investment.
If your home is uninhabitable due to damage, insurance can pay for extra costs like a hotel stay while you repair or rebuild.
Your belongings are covered if they are stolen while traveling or elsewhere outside your home.
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