As the saying goes, there’s no place like home. Your property protects you from the elements, safeguards your belongings, and provides your family with a haven to return to each evening. If you’re like most homeowners, you’re interested in keeping your house for generations to come. Routine maintenance and renovations can uphold structural elements, but if you are interested in protecting your home from dangers such as fire, theft, and vandalism, you should purchase home insurance.

Here, the knowledgeable staff from Jenkins & Bevin Insurance in Lorain County, OH, explains what kind of coverage you can expect to receive from a home insurance policy.

Natural Disasters

Most home insurance policies cover damages caused by natural disasters like windstorms, hail, and lightning. However, more serious disasters—or “acts of God”—such as earthquakes and flooding, are not always covered by homeowners insurance. For these cases, you may need to purchase an additional policy. Speak to your insurance agent about the extent of your coverage so you can determine if you need supplemental insurance.

Fire

If a fire takes place in your home, your insurance policy will help to cover the cost of repairs and construction. Most policies also cover property damage and loss to personal items that were itemized as part of your coverage.

Theft & Vandalism

A homeowners insurance policy will also protect you in the event of theft or vandalism. If someone breaks into your home, steals your belongings, or otherwise damages the exterior or interior of your household, you will be covered. Your coverage will pay for a portion or all of your repairs and help recover stolen items.

Liability

Ask your insurance agent if your policy includes liability coverage. Liability insurance protects you should someone get hurt on your property. If the injured party decides to sue, you would not be personally liable for their injuries.

Additional Structures

Your insurance agency may allow additional structures to be covered by your policy. You might be able to purchase coverage for your garage and any additional rooms that were added to your home after construction. Although these rooms are typically covered, it is important to clarify this with your agent at the time of purchase.

If you need home insurance in Lorain County, contact Jenkins & Bevan Insurance at (440) 984-6771. For information on other policies offered by this agency, including business coverage and auto insurance, visit their website today.