Home Insurance: Your Questions Answered Beacon NY

Home Insurance: Your Questions Answered

A home provides so much. It's where you keep your belongings, take solace after a long day and keep warm on a cold night. It's important to protect the place that means so much to you, so that if an unexpected event occurs, you are covered.

InsureMe can help you by supplying you with information about home insurance and connecting you with agents from leading companies.

What's covered in a standard homeowners' policy?

The most common policies have four types of coverage: coverage for the structure of your home, your personal belongings, liability protection and additional living expenses.

Structure of Your Home

You need to buy enough insurance to rebuild your home if it is damaged or destroyed by one of the disasters named in your policy. Most standard policies also cover structures that aren't attached to your home as well, such as garages and sheds, for up to 10 percent of the amount of insurance on your home.

Personal Belongings

Most policies offer coverage of your personal belongings between 50 and 70 percent of the amount you have on your home. When you conduct a home inventory, you can determine if that amount will suffice. Most policies include off-premise coverage, which means your possessions are covered any where in the world. If you have expensive items that you'd like additional protection for, you may need to purchase a special endorsement or floater.
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