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Extensive Coverage Basics Homeowners Insurance Provides

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Extensive Coverage Basics Homeowners Insurance Provides

Extensive Coverage Basics Homeowners Insurance Provides

How Basic Home Insurance is Anything But Minimal

Although home insurance is not required (unless mandated by your mortgage company), it’s a good idea to secure coverage. Your house is likely one of your largest assets, if not the largest, and it shelters your valuable belongings and nearest and dearest. Homeowners insurance in Redlands, CA protects you from loss in the event your home is damaged or destroyed by a covered peril. When you take a look at home insurance, even basic insurance provides valuable protection.

 

A standard home insurance policy includes the following coverages:

 

Dwelling coverage provides protection for the structure of your home, including the floors, walls, built-in appliances, and ceilings. It covers a variety of perils, such as:

 

  • Theft
  • Fire
  • Vandalism
  • Windstorms
  • Hail
  • Water damage
  • And more!

 

Contents coverage is designed to protect items including furniture and clothing in your home. If a covered peril were to occur, you would receive money for the value of your belongings, as defined by your policy.

 

Personal liability consists of bodily injury damage coverage, meaning that if a guest sustains an injury while on your property, you can receive financial help for their medical expenses and legal defense if they decide to sue.

 

Even a standard home insurance policy can provide a wide variety of protection. Keep in mind that basic homeowners insurance policies often exclude mass-destruction events like earthquakes and floods. Some may only provide limited coverage for the loss of high-value personal property like jewelry, computers, and cameras. For such coverage, you will need to talk to your insurer about adding extra protection to your policy.

 

Are you ready to get started on the right homeowners insurance for your needs? Visit the team at Little & Sons Insurance Services to get started!

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