For most of us, our homes are the most expensive items we own. Life sometimes presents unpleasant surprises, and circumstances can arise that cause damage to our homes or destroy them completely. Home insurance offers financial protection from this damage and destruction in large and small ways. The experts at Action Auto Insurance, a leading home, business, and car insurance broker serving New London, CT, offer these guidelines to help you understand home insurance coverage:

• What's Covered: Home insurance policies typically cover damage caused by fire, windstorm, hail, lightning, theft, and vandalism, and supplemental policies may be purchased to cover perils that aren't on this list.
• Dwelling Coverage: This covers the cost of repairing or rebuilding your house is if it's damaged or destroyed by a covered cause of loss. 
• Other Structures Coverage: This foots the bill for damages to your property's detached structures, including garages, sheds, and fences.
• Personal Property Coverage: This covers personal items in your home, like clothing and electronics, which may be damaged or destroyed by a covered cause of loss.
• Loss Of Use Coverage: This reimburses you for living expenses if you need to find another place to live while your home is being restored.
• Liability Insurance: This safeguards your assets and covers legal costs if you or your family members are sued for causing injury or damage to other people or their property.

Serving Connecticut for over 20 years, Action Auto Insurance is an insurance broker that offers everything from home to motorcycle insurance. The company works with a wide range of top insurance providers to ensure you get dependable coverage at affordable rates, whether you're looking for boating, renter's, or motorcycle insurance. Get the best New London deals on home, car insurance, and more by calling (860) 444-7224, or visit Action Auto Insurance online.