For many people, buying a house will probably be the biggest financial investment made in their lives. With years of memories and milestones set to made here, it’s worth protecting the property from the unexpected. This is where home owners insurance provides peace of mind. Here’s a helpful guide on what most standard policies will cover.

What’s Covered in a Home Owners Insurance Policy

Natural Disaster Damages

From hurricanes and hail to ice and lightning strikes, homes are unfortunately susceptible to nature’s elements. The good news is a standard home insurance policy will pay for damages caused by these perils. This includes repairing or replacing affected exterior and interior property structures up to the policyholder’s coverage limit. If the damage is so extensive that the home is uninhabitable, most insurance carriers will pay for temporary lodging at a hotel, meals, and other related expenses until the repairs are completed.

Indirect Damages

Say the water heater in your house bursts and causes flooding in the laundry room. Depending on the circumstances, most home insurance plans will pick up the tab to clean up the damage. Other indirect damage coverage includes those stemming from malfunctioning HVAC systems, plumbing, electrical wiring, and kitchen appliances. The key here is the damage can not be the result of the policyholder’s negligence. For instance, if an older water heater has rust that led to leaks or if the home owner failed to have an AC unit properly serviced.

Non-Weather Related Damages

Burglaries continue to be a growing problem in neighborhoods everywhere. If one does occur and personal items are stolen, a home owners insurance policy typically pays for the repair or replacement costs. Flat screen televisions, laptops, furniture, and clothing are just a few of the many possessions a policyholder can submit a claim for to their insurance carrier. Other items such as expensive jewelry, antiques, and artwork may need additional coverage. Beside theft, vandalism and damage resulting from vehicle and airplane disasters as well as riot looting are generally covered too.

It’s critical to have the proper protection in place to safeguard you, your loved ones and property from danger. A reliable home insurance policy provides that reassurance. The office of Craig Giovani State Farm® Insurance Agent in Mebane, NC, proudly serves Raleigh, High Point, and the surrounding areas with customized coverage and personalized attention. What makes the agency unique is its diverse staff — including bilingual agents — and strong commitment to educating its clients. There’s never a cookie-cutter approach or pressured sales tactics. The goal is always to recommend insurance that fits the client’s needs, budget, and lifestyle. To learn more and request a home owners insurance quote, call (919) 300-5911 or visit the website.