Your home is, without a doubt, one of your most valuable assets. You’ve probably spent many years saving for that dream home. With all the beautiful interior, comfort, and sweet memories in your home, the best you can do is fully securing it. How so? Home insurance.
Think of an unlikely situation that can occur to your home, like a theft or fire. How many more years would you save to build your dream home again? If your answer is many, then it’s time to think about home insurance. If you don’t know where to start, worry not. At Main Street Independent Insurance Agencies Inc. located in Ft. Worth, TX, we got you.
Four main areas protected by home insurance
Your home insurance generally protects your home and possessions from a variety of insured perils. Some areas include:
- Personal belongings: The policy covers all your personal belongings that may be stolen, damaged by fire, or any other insured disaster. Personal stuff you can cover includes electronics, furniture, clothing, firearms, jewelry, and sporting equipment.
- The home structure: Dealing with a total loss due to a hurricane or fire is unbearable. Dwelling coverage policy protects against physical damage in the main home and other structures attached to it.
- Liability coverage: liability coverage is another main reason why home insurance is crucial. It could cost you an arm and a leg if someone got injured in your home, such as a dog bite. Talk of medical bills and the legal fees that may await you, but with home insurance, you are safe.
- Additional living expense: If your home gets damaged and becomes uninhabitable, home insurance will pay for your cost of staying elsewhere. Other expenses, like hotel meals and laundry, if you are staying in a hotel, are also covered.
If you are a homeowner and haven’t thought much about home insurance, perhaps it’s time you did. If you consider all the benefits the policy comes with, you should get excited about it and call our offices for that policy. At Main Street Independent Insurance Agencies Inc. situated in Ft. Worth, TX, it’s our job to help you make that informed decision.