Home insurance holds an umbrella of protection over your most valuable asset, protecting your property from fire, accidents, and natural disasters. However, no two houses are exactly alike, and every family is unique, so insurance companies offer a wide range of policies that can be tailored to meet your needs. Below are a few of the most common types of home insurance policies.

4 Types of Home Insurance

1. A Standard Policy

The basic home insurance policy includes dwelling coverage, which pays for any damage to your home caused by a covered event. Most also include liability coverage, which protects you from lawsuits and provides protection for your personal property. If your belongings are destroyed in a fire or major weather event, your insurer will have to pay to have them repaired or replaced.

2. Flood Insurance

While the standard policy covers a variety of disastrous events, flood damage is usually excluded. Due to the sheer destructive power of even short-term floods, a separate policy designed to protect your home is always a worthwhile investment.

3. Earthquake Insurance

Like floods, earthquakes and other movements of the ground usually aren’t covered by a standard home insurance policy. If you live near a fault line or in an area prone to mudslides, your insurance agent may recommend extending your coverage to minimize the risk.

4. Other Structures Insurance

Some home insurance policies cover all the buildings on your property, while others only include structures that are actually attached to the house. If you have a garden shed, gazebo, pool, or workshop on your land, ask your agent whether these aspects are protected by your home insurance policy. If not, you may want to consider switching policies or purchasing additional coverage for other structures.

Since 1965, the friendly agents at A.W. Adams Insurance, LLC have helped homeowners throughout Clayton, Tiger, Wiley, Tallulah Falls, Sky Valley, Lakemont, Lake Burton, and Lake Rabun, GA, protect what matters most. Their agents are committed to providing the best home insurance to meet your needs and will compare policies from several of the nation’s leading carriers to find the right fit. Visit their website for more information on their personal insurance products, follow their Facebook for updates and news, or call (706) 782-5100 to request your free quote.