Home insurance can be challenging to secure, as it’s more than just one form of coverage. In fact, it’s a collection of policies that protect you in different ways. Here, Sun Valley Insurance—the premier home, life, and auto insurance agent in Indian Trail, NC—discusses the primary components of home insurance and how they work.

What Does Home Insurance Cover?

Dwelling Coverage

Dwelling coverage pays to repair or rebuild your main residential structure if it is damaged or destroyed by fire, weather, vandalism, or other perils named in the policy. Typically, although tornado damage is covered, floods and earthquakes are not. You must purchase these add-ons separately.

Other Structures Coverage

"Other structure" coverage pays to repair or rebuild independent structures damaged by weather, fire, vandalism, and other named perils. This includes detached garages, sheds, privacy fences, and backyard decks. Attached garages and three-season porches are normally protected by dwelling coverage.

Liability Coverage

Liability coverage pays for damages and injuries that occur on your premises, or those that you or a family member inflict on other people or properties. For instance, if your son throws a baseball through a neighbor's window or your dog bites a passerby, your home insurance policy will take care of it.

Personal Property Coverage

Personal property coverage accounts for the damage, destruction, or theft of assets within your home. This includes furniture, clothing, electronics, and appliances. Valuable items like artwork may need to be insured separately.

Additional Living Expenses Coverage

Additional living expenses coverage pays for the temporary costs of living you face if your home becomes uninhabitable after a fire or storm. These costs include lodgings, meals, and even laundry services.

If you’re interested in learning more about potential policies, Sun Valley Insurance in Indian Trail, NC, offers in-depth advice and calculated guidance for homeowners like you. Since 2010, this locally owned agency has helped clients throughout Union County and beyond choose the coverage they need at a rate they can afford. Visit them online for contact details, or call (704) 282-1155 to discuss your needs with a friendly professional.