Home Insurance 101

 

Finding Home Insurance can be a difficult process. At times Home Insurance providers may seem unreliable, their policies may come with hidden fees, or they have horrible customer service. SkyBlue Insurance wants General Insurance to change your mind about insurance providers. Below we provide some Home Insurance 101 so you can better understand why Home Insurance is so important.

What does Home Insurance Cover?

A Home Insurance policy comes with numerous coverage options that are designed to protect you, your property, and your loved ones from any unforeseen liabilities. You never know when you may experience a lost so it’s a good to have Home Insurance to keep you protected. Some policy coverages include:

Contents coverage- This covers furniture, clothing and other items in your home that experience a loss.

Dwelling coverage- If your home receives structure damage, if you want to replace your carpet, or your built-in appliances malfunction, this insurance covers it.

Earthquake coverage- If your home is damaged in an earthquake, this insurance policy will cover the repair costs.

Flood insurance- This coverage option will take care of the coats of loss related to a flood.

Medical payments to others- If someone is injured or dies at your home, this coverage will take care of medical bills and funeral costs.

Ordinance or law insurance- If your house isn’t built to code, this insurance will cover the costs to rebuild.

Other structures coverage- Covers other structures at your house like gazebos and garages.

Personal Belongings- Some homeowner insurance policies protect your personal belongings if they are stolen or damaged in the home.

Roof Replacement- If you roof caves in or receives water damage, this coverage will take care of the repairs.

Water Back Up- Covers the loss caused by back up from sewers and drains.

You never know what can happen in your home. That’s why it’s good to know the Home Insurance coverage options are available. Be prepared for anything. If you’re interested in keeping your home safe, give us a call at 1-800-771-7758 to get the best rates on Home Insurance. You can also get an instant General Home Insurance quote now for free! You can never be too safe.