The Structure of Your Home
Usually your homeowner's policy will protect you from any damage that may occur that damages your property. Often, policies will protect you from loss that results from lightening, fire, theft, vandalism, smoke, etc.
Your Personal Property
Your personal possessions and property are usually protected within your homeowners insurance policy. In order to purchase the proper amount of coverage, you, as a homeowner, should keep a running inventory of your possessions. Make sure you take into account additions and deletions from your possession tally. Being diligent in keeping track of your things will save time you time if you actually have to file a claim.
Your homeowners policy also offers protection from costs associated with liability claims. Should an injury occur on your property, the liability coverage within your homeowners policy can take care of possible medical costs.
No one should rush into purchasing their first home- or choosing their first homeowners insurance policy. You shouldn't purchase a homeowners policy until you find an agency you are comfortable with and a policy that you are confident in. Did you know that homeowners' insurance policy covers much more than just your actual home? Typically included in your homeowners coverage are protections for…