Homeowners insurance, at its most basic, will cover the cost of repairs and replacement of the structure of your house. A typical homeowners policy covers the structure, personal belongings, liability, and additional living expenses. The policy that works best for you may include customizations with additional riders for flood insurance and more. If you want even more liability coverage, you can purchase an umbrella policy.
Homeowners insurance policies are numbers HO-1 thru HO-8 and vary in what they cover, the type of homeowner the policy is intended for, and which events are covered under the policy. If you own a condo or a house that would be costly to replace, there are specific policies to steer you to. If you own many valuable possessions, you will want to opt for the comprehensive policy.
For homeowners and renters who have needs that are somewhere in the middle, our trusted agents can help you determine which policy type makes the most sense to protect your home, personal property, liability, and more.
Renters insurance is an affordable homeowners insurance policy made for renters. Because they do not own the structure they live in, renters only need to cover their personal belongings, the content of the dwelling. Renters insurance covers personal belongings and also offers liability coverage for damages you and your family cause or damages or injuries to people while they are in the rented space. And if your rented space becomes unlivable due to covered events, renters insurance will pay for meals and housing while the building is repaired.
Landlord policies give people who rent out housing the property and liability coverage they need to protect their interests. Landlord insurance covers the dwelling and other structures on the property, maintenance equipment stored at the property, and liability if someone becomes injured on the premises. Additional coverage for vandalism, burglary, vacancy during construction, and necessary equipment upgrades is also available to protect landlords from potential losses.
Homeowners insurance is used widely to describe dwelling coverage. If you are a renter, your needs differ from a landlord, whose needs differ from a first-time homeowner or millionaire. Protect your home in the event of damage or injury settlements with a home insurance policy. Contact Hometown Financial Group to find the policy that fits!
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