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Homeowners insurance is a variety of insurance product that protects your home and the possessions inside of it against damages.
It also provides liability coverage for accidents that take place at your home.
Standard polices usually contain four basic types of coverage that includes:
Structural protection: if a home is damaged by lightning, fire, hail or some other kind of disaster specified in the policy, this coverage pays for repairs. Floods, earthquakes or standard wear and tear is typically not covered as part of this policy. Most policies do cover other, unattached structures on the property like a garage or shed.
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Additional living expenses: this portion of homeowners insurance pays for living expenses such as hotels and meals when a house is uninhabitable because of damage from fire, storms or other insured disaster.
Talk to our professional staff today at 630-289-4410 about our excellent homeowners insurance products. We’ll answer all your questions and help create a policy that provides the best protection for your home!