If you're about to purchase a house or have recently become an owner, buying homeowners insurance is vital to protecting your investment and belongings. Chanler Agency helps residents in Geneseo, NY, get the comprehensive coverage they need for their assets. To get you started, they explain everything you need to know about the policy. 

What Is Homeowners Insurance?

The policy helps cover the costs of replacing or fixing your home's structure or assets within it. While blanket plans are often similar in how they cover property, possessions, and liabilities, most seasoned agents prefer to tailor options to fit your individual needs. For instance, an insurance agent will consider your home's location and the types of disasters it’s most at risk of. Since earthquakes, floods, and tornadoes are more common in certain parts of the country than others, some individuals require more protection against those eventualities. 

What Does It Cover?

General coverage typically includes repairs and replacements in case of a natural disaster, theft, or fire. It also offers protection if someone gets hurt on your property or if you accidentally harm someone else's. Add-ons are available to most plans—covering garages, guest houses, or belongings that are not otherwise included. An insurance agent will walk you through the options to ensure all applicable bases are covered. 

Homeowners insurance offers peace of mind that your house and assets are protected in case of a disaster. If you’re ready to discuss options, the Chanler Agency has been serving the Geneseo and Livonia, NY, community since 1973. Their family-owned-and-operated business helps locals with all their coverage needs, including auto insurance. To learn more about their tailored services or get a free quote, visit them online. Call (585) 243-5520 today to speak with an agent at the Geneseo office or (585) 346-3118 for a representative in Livonia.