8 Types Of Homeowner’s Insurance Services

Homeowner, insurance

Getting your home insurance in place takes a lot of research and planning. There are many different types of insurance that can be used to protect homeowners from fires, floods, theft, water damage and more. We’ve compiled a list of the top 8 types of homeowner’s insurance services that we think you should have in place before you start looking for an agent.

1. Fire: Many homeowner’s insurance policies cover the structure and contents of your home in the event of a fire. Homeowner’s policies can also contain special coverage that protects specific assets such as home electronics and antiques.

2. Flood: Arguably the most important type of coverage you can have, flood is also a very complicated area to navigate when looking for an agent. There are a lot of special types of coverage—flood, wind and hail—that should be included in your policy. It also helps to have a home that is built on higher ground.

3. Lightning: Another complicated type of coverage, lightning is typically covered under a separate policy for the structure itself, but occasionally your home’s contents may be protected as well.

4. Personal Property: Personal property is the most common type of coverage that is included in homeowner’s insurance, both for your possessions as well as for additional living expenses.

5. Liability coverage: If someone is injured on your property or if you or a family member gets sick while visiting a friend, having liability coverage will help protect you from any legal problems.

6. Earthquake: Like flood, earthquake-related claims are very complicated and can be difficult to quantify unless the home actually suffers damage during an earthquake.

7. Uninsured/Underinsured Motorist: If you are likely to be in a car accident, you should have this coverage in place.

8. Homeowner Services: It’s fairly common to have a separate policy that covers water damage, lawn care, maintenance and home repair. This is an area where agent recommendations really shine. Look for recommendations who have experience with all these services and find out how they relate to your current insurance coverage.

Homeowner, insurance Getting your home insurance in place takes a lot of research and planning. There are many different types of insurance that can be used to protect homeowners from fires, floods, theft, water damage and more. We’ve compiled a list of the top 8…