Even though most lenders require homeowners to carry home insurance, many people don't fully realize what their policy covers or how it preserves the value of their investments. Instead, many property owners simply choose the least expensive plan they can find and rarely think of it again, only to find later that they weren't as well-protected as they thought.

When selecting home insurance, or deciding to go without it entirely, take a moment to consider the benefits these policies have to offer, including:

• Liability Insurance: In addition to protecting your house itself, the standard home insurance policy also includes extensive liability coverage that protects you in a variety of situations. This coverage extends far beyond your property lines and will pay for damages caused by an accident that occurs in your home or at the golf course.
• Personal Property Protection: Natural disasters, fire, theft, and vandalism threaten not only your home, but also your personal belongings inside it. Your home insurance policy will offer a certain amount of personal property coverage, but you may want to purchase an additional policy if you possess particularly high-value items like fine artwork, jewelry, or expensive electronics.
• Additional Living Expenses: In particularly severe situations, you may need to find another place to live while your home is being repaired or rebuilt. A good home insurance policy will pay for your hotel or temporary rental, including funds to cover additional food costs and other incidental expenses associated with being displaced.

Since 1954, the independent insurance experts at Jenkins & Bevan Insurance have helped Lorain County homeowners find home insurance policies perfectly suited to their needs. Visit their website to learn more about their extensive range of offerings, follow their Facebook for more insurance insight, or call (440) 984-6771 to request a quote today.