Many homeowners insurance policies are purchased during the home buying process and not looked at again until they are needed. Before shopping for insurance, it’s important to understand why it’s important and what it may cover. Knowing the basics before talking to your insurance agent can help you feel more prepared when selecting a policy. 

A Guide to Homeowners Insurance Coverage

What Is Homeowners Insurance?

The main function of homeowners insurance is to provide financial protection for your house and the personal property inside it. It provides coverage for damage resulting from fire, smoke, lightning, and certain water damage so you can pay for needed repairs if damage occurs. It also includes coverage for vandalism, theft of your personal property, and damage resulting from civil disturbances. Homeowners insurance policies can also protect you and your family from liability if you’re responsible for causing injury or damage to other people or their property. 

Why Do I Need This Type of Coverage? 

Your home is most likely your most valuable possession. A comprehensive homeowners insurance policy gives you a sense of security knowing that your home and belongings are fully protected. Before you begin shopping for a policy, it’s important to know that many different homeowners insurance policies are available from a variety of different insurance companies. You should always read your policy carefully and ask your insurance agent about any questions you have so you understand exactly what is covered and excluded.

If you feel overwhelmed by the insurance shopping process, Dozier Insurance Agency, in Dawson, GA, offers customized homeowners policies that safeguard your home and lifestyle. Their insurance agents will help you understand their homeowners insurance coverage options so you know how your home will be protected. Give them a call at (229) 995-2040 to speak to an insurance agent. You can also visit them online to learn more about their insurance agency.