Most homeowners are aware that their property insurance policy will protect your most valuable investment, compensating you for everything from roof leaks to fire damage. However, many are unaware that homeowner's insurance consists of a network of different policies providing protection against a wide variety of risks, according to the Ebert Agency in Foley, AL.

For instance, many property owners are unaware that the standard homeowner's insurance policy includes:

• Liability Protection: If someone is injured on your property or someone in your family inadvertently causes damage to someone else's property, they have the legal right to file a lawsuit, potentially threatening all of your savings and investments. Your homeowner's insurance policy provides coverage for these situations and even includes compensation for your legal fees.
• Personal Property Coverage: The standard homeowner's insurance policy includes coverage for some of your personal belongings, as well as the structure itself. Property damaged in a covered incident will usually be covered, as well as stolen or vandalized items. The standard coverage limits are adequate for most homeowners, but homeowners with especially valuable belongings may need to consider purchasing additional coverage.
• Loss of Use Coverage: If your home is rendered uninhabitable, homeowner's insurance will provide funding for alternate housing while repairs or reconstruction are underway. In many cases, loss of use will include compensation for additional food expenses and other costs incurred by a temporary housing arrangement.
• Other Structures: A comprehensive homeowner's insurance policy includes coverage for other detached structures on the property, such as garages, sheds, and fencing. Some of these structures are especially vulnerable to storm damage, which makes this coverage especially important.

Since 1928, the insurance agents at Ebert Agency have been helping Foley residents protect their most valuable investments with high-quality policies from many of the industry's leading providers. Visit their website to learn more, or call (251) 943-2281 for a homeowner's insurance quote today.