You may come to own many things in your life, but one of the most important things you will ever own is your home. It’s only natural that you would want to protect such a valuable investment, and one of the best ways to do so is by purchasing homeowners insurance.
Homeowners insurance matters for a variety of reasons, but here are just a few key benefits to consider:
- Protects Your Home Against Damage – Sometimes, circumstances outside of your control can damage your home, and these damages may be extremely expensive to repair. Homeowners insurance can pay for these damages if they are caused by covered perils like lightning strikes, falling trees, fire, smoke, and hail.
- Protects Your Belongings – Homeowners insurance doesn’t just cover the home itself; it also covers your belongings inside of it. If your possessions are stolen, damaged, or destroyed, your policy may cover the cost of replacing your belongings.
- Maybe Be Required for a Mortgage – While homeowners insurance isn’t required by law, it may be required by your mortgage lender. A lender invests a lot of money into your home, so they want peace of mind that it is protected financially.
- Liability Coverage – Most homeowners insurance policies include personal liability coverage, which offers coverage in case someone is injured on your property and sues you for it.
If you have questions about homeowners insurance, you can turn to our insurance agency for assistance. Our agents at Curtis Helms Insurance have lots of experience in the industry and are prepared to help you understand everything you need to know about your insurance options.