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homeowner's insurance

homeowners Insurance

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What is Homeowners Insurance?

Homeowners insurance is a coverage that protects your property and all of your belongings that are stored within that location. It also covers personal liability aspects for the people on your property when an accident occurs.
Homeowners insurance

What does Homeowners Insurance cover?

Homeowners insurance is a protection against many types of peril that could cause damages to your property or third parties visiting you. Some of the coverages include:

  • Medical coverage for third parties injured on your property.

  • All types of fire, explosions or similar incidents.

  • Structural damage from storms and other natural disasters.

  • Replacement of personal property in qualified perils.

  • Common living expenses during recovery periods.

Before purchasing homeowners insurance,
there are a few things that you should be aware of:

There are a few different types of home insurance coverage to consider in addition to the specifics mentioned above.

Here are five common types:

  1. Dwelling coverage - can pay to repair or rebuild your home if damaged by a covered cause of loss.
  2. Other structures coverage - can pay for covered damages to detached structures like garages, sheds, etc.
  3. Personal property coverage - can pay for personal items in your home that may be damaged by a covered cause of loss.
  4. Loss of use coverage - can pay your additional living expenses if you are displaced from your home during repairs.
  5. Personal liability coverage - can help protect you in the event of a claim and can provide a defense in the event of a lawsuit.

How Much Does
Homeowners Insurance Cost?

The rates for a homeowners insurance policy depends on a few factors.

The price of homeowners insurance varies depending on the value of your home/assets, your geographic region, deductible amounts and several other factors.  Feel free to contact LINKS immediately if you have any additional questions.
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