Owning your own home is the cornerstone of the American dream. This large investment may be the biggest one of your life, which is why it is crucial to protect your property with adequate home insurance in Windsor, CT. The number of mishaps and disasters that can happen to a home are endless, from fire to vandalism to theft to natural disasters, and many more. Your insurance policy needs to be comprehensive, meaning that there should be no gaps that threaten your property and belongings.
Homeowners Insurance Coverage
To help you better protect your property, here is what a standard home insurance policy covers:
Dwelling
When the home suffers from a natural peril, your insurance policy will step in to help rebuild your property and replace your belongings. Common perils that are included in coverage are:
- Explosions
- Falling objects
- Fire or smoke damage
- Hail
- Lightning
- Riots
- Theft and vandalism
- Water damage caused by burst pipes or overflowed household appliances
- Weight from ice or snow
Keep in mind that coverage doesn’t apply when your home is damaged because of earthquakes, floods, wear and tear, and improper maintenance.
Other Structures
This portion of your coverage covers damage to additional structures that are not attached to your property, such as detached garages, fences, driveways, and more.
Personal Property
Personal property coverage helps to repair or replace your belongings when they are damaged or lost because of fire, theft, storms, or water damage. Items that are typically covered are clothing, furniture, electronics, equipment, and jewelry. Keep in mind that items of high-value may require additional coverage.
Personal Liability
When a guest on your property injures themselves or their property gets damaged, this portion of coverage helps to cover your expenses. From medical costs, legal expenses, and lost wages if the person is unable to work due to the accident, this insurance can help cover your costs.
Loss of Use
If your home cannot be lived in after a disaster, loss of use insurance can help to cover living expenses, such as:
- Accommodations, such as an apartment or hotel
- Grocery or restaurant bills
- Costs for the relocation of personal possessions
- Laundry expenses
- Additional transportation costs
