Why Home Insurance Coverage Matters
Home insurance covers you against damages to your home, property, or personal belongings. It is an important financial tool used to transfer the financial risk of loss to an insurance company so you have a way to recover after a terrible event. Lenders require homeowners insurance to protect their investment. You should carry a policy that will at least replace the value of the home in the event of a complete loss.
What Does Home Insurance Cover?
- Homeowners policy. One of the most basic forms of home insurance coverage is known as a Homeowners policy. This combines protection for the structure of your home (foundation, roof, and walls), extends to structures attached to your home, like a garage or deck, and can cover detached structures like a shed or pool house. This policy also combines costs incurred if you cannot use your home, protection for your personal property, medical payments to your guests, and personal liability coverage.
- Personal property protection. In case of an emergency, it’s not just your house that you care about – it’s the valuables inside. Personal property protection can extend to electronics stolen from your house to that antique dresser handed down to you from your grandparents and from things inside or outside your home.
- Liability protection. In the rare event of an accident, liability coverage protects you when someone who doesn’t live in your house is injured while on your property.
Home Insurance & Flood Protection
Every inch of flooding costs approximately $7,000 if your home is unprotected. A typical home insurance policy doesn’t cover flooding. That’s why we prioritize helping you find flood insurance coverage that works in conjunction with your home insurance, if you need it.
Finding home insurance quotes that fit your needs can feel daunting, and many can feel impersonal and generic. At Robertson, we turn consultations into conversations to make sure we find coverage that makes sense for you.