Homeowners insurance, while being mandatory to most mortgage lenders, can provide many benefits beyond protecting your investment—although that in itself should be of primary concern to anybody who owns real property.
A quality homeowners insurance policy should provide coverage against a range of disastrous circumstances, including floods, storms, fire, smoke, vandalism, liability and more. If you are unsure of your homeowners insurance needs, give Insurance City Agency a call. We welcome the opportunity to meet with you to determine what coverage is right for you.
Some of the benefits of homeowners insurance through Insurance City include:
Comprehensive coverage
This protects your property against natural disasters and other unforeseeable hazards.
Loss of use coverage
This provides you with temporary living expenses in the event that your home is uninhabitable due to a claimed incident, or while your home is being restored to habitable conditions.
Optional personal property coverage
Fine art, valuable musical instruments, jewelry and more can be covered under this clause, as can furniture, clothes and electronics that may have been damaged due to an insurable incident
Structures coverage
This provides protection against damage to detached structures such as garages, fences, cottages or other outbuildings on your property.
Replacement Cost
This replaces your lost, stolen or damaged possessions with new
items or ones of equivalent value.
Personal Liability
This offers coverage in the event that a visitor to your home is harmed or injured while on your property.
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