The right homeowners insurance policy will help prevent unexpected financial strain should an accident happen. However, since no two homeowners are alike, the coverage you need may be different than what others in similar situations require. At Kirk Insurance Agency in Spearman, TX, their dedicated agents want to help you find the perfect coverage for your home. Below, they explain the most common types of home insurance and how each option will better protect your interests.

What Can Home Insurance Cover?

1. General Liability

Every home insurance policy provides general liability for residents in the home. This coverage helps pay for any liability suits filed against the homeowner for accidents that occurred on their property. Without this coverage, anyone injured on your property could sue you for the damages, including their medical care. With general liability, your insurance company will help cover the cost of damages.

2. Structural Coverage

The primary purpose of home insurance is to protect the physical structure and elements of the home in the event of theft, vandalism, damage, or accidents. Every policy will provide coverage for the dwelling, its appliances, and everything in between. The floors, lighting systems, and structural improvements like solar panels and even exterior storage sheds are all covered under this policy.

3. Protection for Your Belongings

In addition to protecting the house itself, the property insurance policy will also protect the items you keep inside the home. This includes your clothes, food, electronics, furniture, and other touches that make the house a home. Keep in mind that the coverage for your belongings is limited by the amount of coverage specified in the policy. As you acquire new or more expensive items, you may want to update your coverage to reflect the change in value.

4. Supplemental & Optional Policies

Though every homeowners insurance policy will protect your house from common threats like fire, hail, vandalism, and theft, the policies may not cover additional disasters. To cover floods, earthquakes, and sewage backup, you’ll need to purchase additional coverage.

Whether you’re looking to upgrade your existing homeowners policy or need to purchase home insurance for a new house, the team at Kirk Insurance Agency in Hansford County is ready to help. They’re open 9 a.m. to 5 p.m. Monday through Thursday and 9 a.m. to 3 p.m. on Friday. Learn more about their coverage areas, including auto and life insurance, online and call (806) 659-2794 to schedule a consultation.