Homeowners insurance provides a safety net that protects the value of your home from a host of perils. Serving the residents of Lorain and Elyria, OH, Robert Taylor Insurance offers all types of insurance from car to life to home. This independent agency wants homeowners to understand what is covered by homeowners insurance and how essential this type of valuable protection is.

The experts at Robert Taylor Insurance provide some of the important components covered by your homeowners insurance:

• Your Home: If your home is damaged or destroyed, homeowners insurance will cover costs associated with repair or replacement. Perils such as fire, hurricane hail, and lightning are typically covered, but any damage caused by floods, earthquakes, and routine wear and tear are not. Many home insurance policies also cover detached structures on your property, such as tool sheds and gazebos.

• Personal Belongings: If your furniture, clothes, or other personal items are destroyed by perils covered by your home insurance policy, you will be reimbursed. This coverage also applies to personal belongings stored beyond the confines of your property.
• Liability Protection: If someone suffers an injury on your property or is wounded by one of your pets, they can sue. Home insurance provides liability coverage that pays your legal costs and damages up to the stated limit in these situations. Liability coverage also pays the medical expenses of people who are injured while on your property.

Providing unmatched service since 1988, Robert Taylor Insurance can provide you with homeowners insurance that is both reliable and affordable. This family-owned agency delivers attentive and caring service, and its roster of products includes auto, business, and life insurance. To make sure you, your family, and your property are fully covered, call one of their agents today at (440) 277-5191, or visit the company online to see a full list of their offerings.