Buying a home represents a significant financial investment, so you want to do everything in your power to protect it. Tammy Ross Insurance in Monroe, NC, helps customers find affordable homeowners insurance policies that keep their belongings and loved ones safe. This independent insurance agency understands the importance of finding the right coverage at a fair price. Here, they explain how having insurance for your house protects your investment.

Top 5 Benefits of Homeowners Insurance

Damage & Loss Protection

From storms and fires to theft and vandalism, a reliable policy pays for a wide range of damage to the home. Repairs can be costly, especially if you have to pay for them out of pocket. A comprehensive homeowners insurance plan covers many perils and will pick up the tab for structural damage and total replacement costs.

Personal Property Coverage

The items in your home are also covered under a homeowners policy. If personal items like furniture, appliances, and clothing are damaged, most policies will pay either the actual cash value or replacement cost. Some plans have special features for valuable items such as antiques, artwork, jewelry, and musical instruments.

Injury Protection

If you or someone else is injured in the house or on the surrounding property, the liability insurance portion of your homeowners coverage will typically pay for medical expenses. Depending on the policy, insurance providers may also cover wage loss while the injured person recuperates, as well as any legal claims.

Temporary Living Expenses

If your home becomes damaged to the point where it's uninhabitable, homeowners insurance will typically pay for temporary living expenses. This includes hotel stays, food, and other costs related to living away from your home.

Travel Protection

Even if you go on vacation or travel for business, a standard homeowners insurance policy may also cover the theft or loss of personal possessions during the trip. The coverage also extends to damage caused by the policyholder to another person's property or personal items.

Your home deserves around-the-clock protection. Let the experienced team of agents at Tammy Ross Insurance help you secure an affordable premium without sacrificing comprehensive coverage. To request a free insurance quote, call (704) 233-4981. Visit their website for information on other policies, including car insurance to protect your vehicle.