Homeowners insurance covers any damage to the structure of your home, and this is crucial for protecting your biggest investment. Homeowners insurance may also cover other things as well, depending on the company and package you choose. Farmers Insurance: Daniel Oliver in Edina, MN, will see to it that you get the best coverage for your home so you can enjoy the peace of mind that comes with adequate insurance.

Here are some factors you should make sure are covered by your homeowners insurance to get the most out of your policy:

• Personal Items: Make sure any insurance quotes you receive covers your personal items such as clothes, sports equipment, and furniture. Insurance companies tend to have a limit on how much they can compensate you for the loss of valuable items like artwork or jewelry, so it’s important to ask about the price of additional riders to cover these items as well.
• Liability for Accidents: Your homeowners insurance should cover any money you may owe for medical bills or damages caused by an accident on your property. It can also cover any damage that may be caused by your pets. It’s also a good idea to make sure this coverage protects you for the cost of a court case as well as any resulting fines. No one likes to think of getting sued, but a little time spent considering this possibility now could save you a great deal of hassle someday.
• Living Expenses: When looking for home insurance, remember to look at more than just the insurance rates. It should also cover you for any additional living expenses to rent a house or hotel. These expenses arise when you have to live outside your home because of damage. Make sure this important coverage is listed on your policy so you know you’ll have a place to live in the event of a fire or other damages.

By making sure your homeowners insurance policy covers these three things in addition to the structure of your house, you’ll be fully protected from anything life throws at you. To get an insurance quote, call Farmers Insurance: Daniel Oliver in Edina at (952) 925-4454. You can also visit their website to learn more about different policies, and connect with the insurance agent on Facebook.