You put in the time, money and effort to get the keys to your dream house. Homeowners insurance is designed to protect your hard-earned investment from the unexpected. However, if you’re new to owning a property, you might be unsure about what a standard policy includes. The following helpful guide will help you better understand your coverage.

3 Key Features in Homeowners Insurance

1. Natural Disaster Damage

Most plans cover damage caused by storms, hurricanes, hail, ice, and other natural disasters. This means if your home’s roof, driveway, deck, garage, and other surroundings need repairs, homeowners insurance will pay for them. Coverage also extends to damage caused by fallen tree branches and fire. However, separate policies are needed for natural disasters such as earthquakes, floods, and volcanoes.

2. Personal Property

The coverage also includes protection for a range of damaged and stolen personal items. These include laptops, furniture, and appliances. If the policyholder’s possessions are damaged or destroyed as a result of a natural disaster—and in some cases, man-made scenarios—the insurance carrier will pay for the repair or replacement costs. There are certain high-end items that may require additional coverage such as artwork, jewelry, and musical instruments.

3. Medical Expenses

If a guest is injured at a person’s house, most policies will pay for their medical expenses. The types of treatments vary with each insurance provider. Some plans also include coverage for legal claims filed by the injured person. Keep in mind that homeowners insurance does not cover injuries sustained by the policyholder or their family members.

Your home is your sanctuary. Protect it with reliable homeowners insurance. Let Mazzola Insurance in Rochester, NY help you secure affordable and customized coverage. The independent agency is able to shop for budget-friendly rates from the nation’s leading carriers. If you’re in the market for new coverage or are thinking about switching, call (585) 266-7130 for an instant, free quote. You can submit your quote request via the website, where there is extensive information on other policy options, including auto insurance.