Whether you are purchasing homeowners insurance for your first home, or the estate of your dreams, the Schneiderman Insurance Agency is able to assist you in protecting this prized possession with homeowners insurance that fits your priorities and your budget.
Why You Need Homeowners Insurance
We all tend to consider our homes as a safe haven. But accidents and injuries can and do occur whether you are at home or away. A quality homeowners insurance policy is built to give you protection from instances when the unexpected happens. Home insurance covers you against many potential risks, including, but not limited to:
Property Damage – Homeowners insurance can help repair your house and detached structures if damaged by perils such as fire, lightning, wind, hail, vandalism and malicious mischief and even vehicles of others. It can also help pay to relocate you during repairs as well as pay for additional living expenses.
Personal Property Damage & Theft – If your personal property is stolen in a home burglary or damaged in a fire, homeowners insurance can help reimburse you for the expense to replace it. In some cases, this coverage also applies away from home, like if your laptop was stolen from your car.
Personal Liability – If guests are injured in your home or while on your property, homeowners insurance has coverage to help protect you from paying for their medical bills and other related damages. It can also help cover accidental injuries you cause away from home.
Don’t forget that most homeowners insurance policies do not cover floods or earthquakes, they actually exclude losses due to a flood or earthquake. If you are looking to insure your home against the perils of flood or earthquake consider looking into a difference in conditions policy specifically for those perils. You can learn more at the National Flood Insurance Program and the California Earthquake Authority websites.
Accidents can happen at any time. Having the right insurance can protect your home and everything in it. While a standard Home Insurance policy can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard homeowners insurance policy. That’s why it’s important to talk to an insurance specialist at Schneiderman Insurance Agency about specific coverage options that are applicable to your individual needs.
Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from the Schneiderman Insurance Agency.