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Your home is more than a significant financial investment. It’s also the place where you and your family create cherished, lifelong memories. Ensuring your home is fully protected is vital, and this entails implementing a comprehensive home insurance policy. In Spearman, TX, Kirk Insurance Agency assists local clients in finding the insurance products they need. When it comes to home insurance, taking a look at your specific needs can be a good starting point when shopping around for a policy.

What Home Insurance Covers

Also referred to as homeowners insurance, these policies safeguard your home and belongings against damage and loss. More than just a single policy, home insurance is typically made up of a few different coverages to ensure you remain fully protected.

home insuranceFor instance, the dwelling itself will be protected against fire, hail damage, and theft. Policies can be expanded to protect other dwellings on your property as well, such as work sheds. Policies can also protect the items within the home, which is crucial in the event of catastrophic damage.

Along with these protections, you can also include liability coverage within a policy. This will protect you against lawsuits brought by third parties who suffered injury or property damage while at your home. Liability insurance covers legal expenses incurred by you, third-party medical bills, and repair costs. 

Limitations of Home Insurance

Understanding the coverage limitations of home insurance is essential. This is something to consider when deciding on the amount of your deductible, as you’ll be on the hook for that amount before your insurance company provides funding.

For example, if you incur damages totaling $10,000 with a $500 deductible, you’ll be obligated to pay the deductible before receiving the remaining $9,500 from the insurance company. The higher a deductible, the lower your premium payments.

Scoring comprehensive home insurance is simple with the right professionals. Protect what matters most in life with the help of the skilled and experienced staff at Kirk Insurance Agency, who’ve been assisting Hansford County clients since 1978. Visit the website to see the complete listing of services currently available. If you’d like to receive a personalized insurance quote, call (806) 659-2794 today.

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