Your home is probably the most expensive item you'll ever purchase, which is why a good homeowners insurance policy is so valuable. These policies actually include several different types of insurance designed to protect many different aspects of your life.

According to Somers Agency, an insurance office serving Ohio's Lorain County, the standard homeowners insurance policy generally includes:

• Dwelling Coverage: The principle purpose of homeowners insurance, this coverage will repair or rebuild your home if it's damaged by a covered peril. While things like earthquakes and floods are typically excluded, the standard policy will compensate you for damage caused by fire, vandalism, or severe storms.
• Other Structures Coverage: Any detached structure is covered under a separate policy, which pays to repair sheds, garages, cottages, and even any fences that might be damaged in an accident.
• Liability Insurance: If someone is hurt on your property or a member of your family causes an accident, your homeowners insurance policy will pay for the damage, as well as all of your court costs.
• Personal Property Coverage: In addition to protecting the building itself, a homeowners insurance policy will also include coverage for your personal belongings inside. While the limits may be enough to cover most basic types of property, extremely valuable items should be protected under a separate policy to ensure that you're fairly compensated.

Since 1898, the independent insurance agents at Somers Agency have been providing homeowners with all the protection they need. This office maintains relationships with a wide array of some of the industry's top carriers, giving them an extensive variety of products and policies to choose from. To request an insurance quote, visit their website or call (440) 324-3447, or follow them on Facebook.