Everyone knows that if you own or even rent a home, you need to protect it with insurance. However, not everyone is aware of just what a homeowners insurance policy covers and the various components that make up the typical policy. Every homeowner needs protection against certain accidents that can cause harm to other people or damage to their property. If you’re looking for homeowners insurance in Torrington, CT, check out the types of protection you should consider.
There are several types of protection that a Connecticut home insurance policy can offer, including, but not limited to:
- Damage to the home
Covers damage that was done to the house itself up to a certain amount that is listed on the policy.
- personal property
Covers damage or loss related to personal property, which includes personal property indoors. Certain items like expensive jewelry, valuable art, and collectors’ items may need additional coverage.
- Additional living expenses
Covers living expenses up to a limit that will be stated in the policy when the property is not habitable as a result of a covered peril.
- Comprehensive personal liability
Protects you from any claims that are related to an accident that results in any damage that was done to others on a property that you own or rent.
- Medical expenses
If a person is injured on your property, it can cover their medical expenses. It may also cover medical costs related to any accidents on another property that was caused by you, your family, or pets.