Buying a home is an incredibly exciting milestone in life. As you make your moving plans and prepare your family for relocation, it’s important to secure homeowners insurance early in the process. In addition to being a requirement for most mortgage lenders, here are a few reasons why you need this insurance policy sooner rather than later. 

4 Reasons to Have Homeowners Insurance

1. Property Damage

Natural disasters like thunderstorms, hurricanes, tornadoes, and floods can decimate your property. Fire, water, and hail damage, or even vandalism can be incredibly costly to fix. Homeowners insurance will help you pay for repairs and replacements so you can restore your home to a safe and visually appealing condition. 

2. Liability Claims

Beyond protecting your property as a whole, homeowners insurance includes liability coverage. As such, should an individual get injured while working on or visiting your property, you won't be liable for covering medical expenses or legal fees related to the incident. 

3. Personal Property Protection

This type of insurance protects personal belongings that are stored inside your home. Furniture, electronic devices, appliances, home goods, clothing, and jewelry are covered if they are stolen or destroyed in a natural disaster. In many cases, your coverage extends away from your property, paying for the replacement of items like laptops or cell phones if they’re stolen from inside your vehicle when you travel as well. 

4. Emergency Coverage

In the wake of a natural disaster, accident, or emergency that leaves your home temporarily uninhabitable, you’ll need to find alternative accommodations. Your policy will cover the cost of hotels and meals while your home is being fixed.

If you need homeowners insurance, The Benn Agency can help you find optimal coverage at the best rates. With an office conveniently located in Decatur, GA, individuals and families throughout the greater Atlanta metro area can count on this independent insurance broker for car, life, business, and home policies. For a personalized quote based on your needs and budget, call today at (770) 593-2758. For more information on their 26 years of experience and convenient payment solutions, visit their website.