A Greenway Insurance representative can help you determine the homeowners coverage that best fits your needs and budget, but a typical policy can cover:
- The structure of your home
- Other structures on your property (e.g. garage, shed)
- Your personal belongings
- Additional living expenses if you cannot live in your home due to a covered loss
- Your personal liability or legal fees
- Limited valuable items (extra coverage can usually be added)
Be sure to explore options to customize your limits and coverages to meet your needs. Your homeowners insurance policy includes coverages in the following categories to help ensure your home and assets are appropriately protected.
The structure of your home:
Your homeowners insurance policy will help protect the structure of your home in the event of a covered loss. This includes the physical building itself, as well as attached structures like a garage or shed.
Your homeowners insurance policy can also help protect your personal belongings in the event of a covered loss. This includes furniture, clothing, appliances, electronics and more.
Additional living expenses:
If your home is damaged in an insured disaster but you are not able to return due to ongoing repairs, homeowners insurance can help pay for additional living expenses like the cost of staying in a hotel or renting temporary housing.
If someone is injured on your property, homeowners insurance can help protect your personal assets. This includes the cost of legal fees and any damages that may be awarded as a result of a lawsuit.
Your homeowners policy may also include limited coverage for valuable items like jewelry, art and collectibles. If you have high-value items that need more protection, you can usually add extra coverage to your policy. Make sure and ask about your homeowners insurance coverage limits.
Since homeowners insurance covers so many aspects of your life, it’s important to review your policy regularly and make sure you are still getting the coverage you need. If you have any questions, don’t hesitate to contact your Greenway Insurance representative.