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Homeowners insurance policies cover more than just your home. They cover your contents at replacement cost, additional living expense in case of a disaster, and personal liability insurance. To include a broad range of insurance coverage under your homeowners, you may consider an umbrella policy. Ask your agent if this would be right for you.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect. Components of homeowners insurance you will want to consider:
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy could pay additional living expenses while damage is assessed and your home is repaired or rebuilt.
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71 East Palisade Avenue
Englewood, NJ 07631