Home Insurance
Home insurance is essential financial protection for homeowners. However, if you have never owned a home and never purchased this type of insurance before, it may be complicated for you to make the right choice. In order to help you, Moore-Lancaster Agency has prepared a list of the most common home insurance policies that you should know about:
- Liability protection. It protects you as a homeowner if a person sues you after being injured in your home or on your property.
- Dwelling coverage. Its purpose is to protect the building itself, including walls, roofs, built-in appliances, and ceilings, as well as any attached structures.
- Personal property coverage. You need this coverage in order to protect the belongings inside your home, including personal items, electronics, and furniture, even if they were stolen or damaged outside the house.
- Other structures that belong to your property. It protects the physical structure of other buildings that are separate from your home. It could be a detached garage, for example.
- Guest medical protection. If a visitor or guest gets injured on your property, this coverage will pay for their medical bills.
- Additional living expenses protection. This policy will cover additional increased expenses if your home becomes uninhabitable after a covered loss.
It is also worth considering getting additional coverages that are not a part of standard home insurance. They include flood insurance, earthquake insurance, water backup of sewer, and other structures insurance (gazebo or unattached garage for example).
If you are a lucky owner of a beautiful residence, it makes sense that you want to make sure that your home and your personal belongings are fully protected. For this reason, getting home insurance is the best thing you can do. If you are currently looking for a trustworthy insurance agency, Moore-Lancaster Agency is ready to assist you. Do not hesitate to give us a call to talk to one of our experienced agents.
