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Homeowner Insurance Benefits
Courtesy of Josh Patton, Allstate Insurance

If you have a mortgage on your home the lending institution will require you to carry insurance. Private insurance is MUCH cheaper than what the bank will make you carry (forced place insurance) if you fail to get your own insurance.

Home insurance covers financial loss resulting from fire, lightning, theft, vandalism, wind, storms, hail, explosions, riots and civil commotions, aircraft, vehicles, smoke, broken glass and more! There are only a few things that a decent homeowner policy won’t cover.

Home insurance not only covers physical damage to your house. It also covers:

• Contents in your home like furniture, clothing, lawnmowers, bicycles, etc.
• It covers Additional Living Expenses (things like a hotel stay & meals) if your home becomes uninhabitable due to a covered loss.
• Family Liability protection in the event that people might be accidentally injured or their property is damaged in a covered incident.

What if you have a valuable item or collection of items? You could add a rider on to your policy to extend coverage to jewelry, fine arts (such as paintings), collections (such as cards, coins, stamps, firearms, etc.) and more.

What about special types of protection based on specific needs? You could add water backup coverage to keep your risk of loss down in case the sub-pumps or sewers backup or overflow. You could add identity theft coverage to ensure minimum interruption of your life in the event someone tries to steal your identity or destroy your credit.

An insurance professional knows how to find out what coverage selections would work best for you and can make recommendations based on their expertise.