Homeowner Insurance: A Quick Guide To Protecting Your Home

Do you know how to maintain your home properly? This guide will help you understand how homeowner insurance works and how the insurance will cover you.

What is Homeowner insurance?
This type of insurance is one of the most significant pieces of financial protection for your home, protecting you against theft and damage to the house, your possessions, and accidents or injuries when you're held responsible.

What do they provide for you?
Dwelling Protection
Dwelling protection is a basic cover for homeowners insurance. It covers the structure of a home, including its foundation and walls, against various risks such as floods or fires. Homeowners' insurance may also cover other structures attached to the main building, such as a garage or deck.

Other Structures Protection
Under other structures, you may secure your property with coverage for other structures on your land, such as a fence or a detached garage.

Personal Property Protection
What happens when something gets stolen or damaged? That's where Personal Property Protection comes in. It provides coverage for the personal belongings you keep within it, including your electronics or appliances. It may also help pay to repair or replace them if they are stolen, damaged, or destroyed by a covered risk. 

Liability Property Protection
Imagine paying for legal fees and medical bills for your visitor after an accident in your home. You can insure yourself against unintentional injury or property damage through liability property protection. It covers your property and helps pay for your guest's injuries if you are found liable.

Medical Payments
You won't have to be concerned if it's someone else's fault or yours because homeowners insurance will cover treating someone who was injured on your property, regardless of who's at fault. It also covers if you, a family member, or a pet injures someone else.

Conclusion
In the case of disasters or accidents, your home may be considered a "contingency." Insurance investments for your home are essential, so you can rest easy knowing that your home is covered against certain risks that could potentially threaten your life and property.

At Family Auto Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (313) 285-9042. Get your free quote today by CLICKING HERE.