For most people, a home is the largest purchases they'll ever make, marking an important life milestone as well as a massive financial investment. Homeowners insurance is another crucial investment, offering an umbrella of protection that covers several aspects of your life. If you've never looked closely at the standard homeowners insurance policy, you may be surprised to find that it provides a wide range of coverage.
Protection for Your Home
The primary purpose of the homeowners insurance policy is to protect the structure of your home itself, both from minor damage and catastrophic loss. If a covered event like a fire or severe storm destroys a portion of the building or tears off your roof, your insurance policy will pay for the damages. In most cases, the policy will cover any additional structures on the property, including fences, detached garages, and even garden sheds.
Protection for Personal Property
The damage to your home is only one aspect of a disaster, so the standard homeowners insurance policy includes personal property protection to cover the rest. This coverage will pay for losses of personal property in the case of fire, theft, vandalism, and a variety of other issues, up to a certain limit.
If you or a family member unintentionally causes injury to another person, your homeowners insurance policy will actually shield you from financial liability. If your dog happens to bite a neighbor or your children break a window while playing, your insurer will cover the damage, in addition to any legal fees and other expenses.
With more than 45 years' experience and a portfolio of products from some of the industry's top carriers, the agents at Craig Massee Insurance Agency in Milledgeville, GA, will help you find a homeowners insurance policy perfectly tailored to your needs. To learn more about their services and to request a quote, visit their website today or call (478) 452-3539, and follow their Facebook for regular updates.