Your home is your castle. It’s where you raise your family and create memories that last a lifetime. As a homeowner, it’s only natural to want to protect is as best you can. Homeowners insurance in Southington, Connecticut can help you protect your investment. Whether you’re buying insurance for your first home or the high-value home of your dreams, North American Underwriters will ensure this prized possession is fitted with the right insurance coverage.
Standard home insurance policies provide the following protection:
This helps to cover the structure of your home in which you live, as well as other structures that are attached to it, such as a garage or a backyard deck. Many home policies also include coverage for other structures that are on your property but separate from your home, like a detached garage, tool shed or fence.
- Personal Property
Home insurance provides coverage for the personal belongings with the home’s structure. If your belongings are damaged or stolen in a covered peril, this personal property protection part of your home insurance may help to repair or replace your belongings. Bear in mind that you may need additional coverage if you have items of high-value, such as jewelry or antiques that exceed standard coverage.
Liability coverage will help when someone not living with you is injured on your property. Whether a visitor trips up your steps or your dog nips a guest, bodily injury liability coverage may help pay for your resulting legal expenses or the visitor’s associated medical bills if you are found at fault.
- Additional Living Expenses
If your home is damaged in a covered peril, you may need to relocate to a temporary location while your property is being inspected and repaired. Fortunately, your home insurance can step in to cover some costs associated with living away from home, for example, hotel rooms, restaurant meals, and more.