Home Owner Insurance

Homeowners insurance provide financial protection in the event of damage to your home due to any disaster such as earthquake, fire, floods etc. It covers damage to your property caused by most disasters and for any injuries and property damage you or members of your family cause to other people.

The standard homeowner’s policy covers the following:

1. Structural Cover:

Any damage caused to your home by natural disasters like fire, hurricane, hail, lightning, flood, earthquake is covered in the policy.

You are paid back for the repairs to rebuild your home.

2. Personal Belongings:

The policy should cover your personal belongings such as furniture, clothes, sports and other personal items that is either damaged in a fire or a hurricane or has been stolen. Expensive items like jewelry, silverware are also covered. you can also opt for coverage of your plants.

3. Liability Protection:

We can understand it by dividing it in certain points:

This protects you for bodily injury or property damage that you or family members cause to other people.

The liability portion of your policy pays for legal defense.

Helps pay medical bills of those injured on your property or through your personal activities

4. Additional Living Expenses:

You are paid for the living expenses (like hotel bills, meals and other living expenses) while waiting for repairs to your home.