The joy of owning a home comes with the reality that accidents can occur on your property. That’s why a solid homeowners insurance policy is required by most lenders in case damage occurs. Harold D. Miller Insurance Agency in Greenup, KY, provides affordable coverage customized to suit your needs, and they will explain how a homeowners policy protects you from losses caused by water leaks, structural problems, and a host of other scenarios.
Homeowners insurance covers property, personal liability, and legal claims that result from accidents in your house or on your land. A typical policy will pay for damages from natural disasters like storms and lightning strikes as well as fire, theft, and vandalism. Depending on your home’s location, damage from floods and earthquakes also might be covered by an additional policy.
The expense of repairs easily can total thousands of dollars, and many homeowners don’t have the funds to pay for a restoration out of pocket. Having homeowners insurance offers peace of mind because the policy kicks in to cover financial expenditures for repairs or replacement items. Policyholders typically have to pay a set amount as a deductible before the insurance carrier pays the remainder of the costs.
Homeowner insurance plans vary from provider to provider. Some will pay for the cash value of the damaged property, an amount equal to the cost to replace the item, with depreciation factored in. Other policies will pay for the total cost of replacement.
The independent agents at Harold D. Miller Insurance Agency offer a wide selection of quality homeowners insurance policies from some of the nation’s leading carriers. Their team of professional agents is committed to finding the best premiums, deductibles, and comprehensive coverage for your needs. This dedication is why clients renew their policies annually with the insurance company, which opened in 1958.
Protect your house and surrounding property against damage and liability claims. To arrange a free quote for homeowners insurance with Harold D. Miller Insurance Agency, call (606) 473-6211. Visit their website to review information about their home, life, and auto insurance plans.