Home insurance, also known as homeowner's insurance, is a pact between you (the homeowner) and an insurance company. You pay a regular amount, called a premium. In return, they promise to assist you financially if something goes wrong, like damage to your home, theft, or accidents on your property.
There are different types of coverage to know about:
Dwelling Coverage: This protects your home's structure from things like fires or storms.
Personal Property Coverage: It covers your belongings, even if they're not in your home.
Liability Coverage: If someone is injured on your property, this helps with their medical bills.
Additional Living Expenses (ALE): It helps with temporary housing costs if your home is unlivable due to damage.
Medical Payments: It covers medical bills if a guest is hurt at your place, no matter whose fault it is.
Understanding these coverages helps you make smart decisions. We're here to guide you every step of the way. With the right policy, your home stays safe, and your budget stays intact. Your home is where your heart is, and we're here to ensure it stays that way!