You already know that you need to get a good policy in place when it comes to protecting your home. Your mortgage is not going to let you off the hook and even if you are able to get ahead with some of the payments and have it paid off, you still need to consider insurance to keep the property safe and ensure that you do not have to pay for it all out of pocket. But it is also important to understand what is covered under your policy. Each policy is unique, but some of the basic coverage found on all of them include:

# Dwelling coverage: This is the main coverage and it is going to make sure that the structure of the home and all of the attached structures are covered and protected. You will pay the deductible and then the insurer will cover the rest of the damage.

# Personal property coverage: This is going to cover the contents of the home if they are destroyed, damaged, or stolen due to a covered event.

# Other structures coverage: This is going to insure the structures of the property that are not attached to the home, like a detached garage or a fence, are covered. There is a policy limit for how much you can get here.

# Loss of use coverage: If there is a major issue with your home and you can’t live in it while things are getting fixed, then the insurance will cover that so you can stay somewhere else.

# Personal liability coverage: This is going to be the policy that you get if you are responsible for someone getting harmed on your property. So, if someone slips and falls and has medical bills or your dog bites someone, then this part of the policy can help protect you.

# Medical payment coverage: This is going to help cover some of the medical expenses for people who are injured on the property, whether you are the one at fault or not. It can help with things like ambulance fees and medical bills.

Choosing the right homeowner insurance on your home can take some time. You want to get a good amount of coverage so that you are protected when things do go wrong, but you may also be worried that the cost will be too high. Finding that balance is something that all homeowners need to worry about when they are searching for a new policy. Our team is different. We can provide you with an affordable policy that you can be proud of and which will give you the peace of mind that you deserve. Contact us today to learn more.