Your home is one of the largest investments you’ll ever make. Not purchasing homeowners insurance is asking for trouble, and without anything protecting your most expensive asset, you may suffer one of the biggest detrimental blows to your bank account. Homeowners insurance will help protect you when the worst happens.
Secure Insurance Group Provides Homeowners Insurance That Covers Damage From Fire
If your home is destroyed in a fire, your homeowners policy from Secure Insurance Group will compensate you for structural damage as well as your personal possessions. You may want to consider adding replacement cost coverage to your homeowners policy. This way, you’ll be compensated for the cost of buying replacements for your destroyed belongings instead of being compensated based on their market value. If you’re only getting compensated for the market value, you may not be able to buy replacements due to a combination of depreciation in value and economic inflation.
How Homeowners Insurance From Secure Insurance Group Covers Vandalism and Theft
Homeowners insurance from Secure Insurance Group will cover your losses if someone breaks into your home and steals your belongings up to certain limits.As for vandalism, you’ll be covered as long as you’re living in the home, or you at least have your personal possessions in it. Vandalism coverage does not cover vacant homes. If the home has no belongings in it and has effectively been abandoned, then homeowners insurance will not cover vandalism.
Your home can be uninhabitable if it’s damaged severely enough. If your home is destroyed in an event that insurance covers (e.g. fires, hurricanes, indoor flooding, and damage from falling objects), your policy will disburse funds that will allow you to have somewhere to stay while your home is under repair. This also includes meals at restaurants.
Homeowners insurance will offer coverage for damage originating from water heating issues or burst pipes, as long as it isn’t due to the homeowner’s negligence. If you’re making an effort to properly maintain your home and a plumbing issue arises, homeowners insurance will have you covered.
Homeowners insurance also covers your legal costs if someone suffers an injury on your property. Instead of having to pay an attorney and other legal expenses yourself, your homeowners insurance will help cover those costs.
It should be noted that having potentially dangerous items on your property (such as trampolines and swimming pools) can cause your premium costs to go up due to the increased likelihood of a guest getting hurt.
Homeowners insurance covers a broad range of natural disasters, including hurricanes, lightning, and tornadoes. However, homeowners coverage typically does not include floods or earthquakes. Floods and earthquakes are often sold as separate policies.
You are also free to add other types of insurance to give you a greater financial cushion in the event of natural disasters. This is an especially good idea if you live in an area that’s prone to certain catastrophic events.
Get Your Homeowners Policy Now
At Secure Insurance Group, we want you to stay protected when the worst happens. Whether your home is damaged by a natural disaster or your possessions have been stolen, we’re here to help you by getting you the best policy at the lowest price. Call us today at 1-877-871-7328.