From time to time people wonder what exactly are the home insurance policies cover. Normally homeowners insurance covers damage made to your home made by fire, hail, ice, lightning, sleet, smoke, snow, theft, vandalism, and wind.
Some or most Insurance Companies will also let your policy cover these areas:
- Medical payments
– Plumbing mishaps
– Personal liability
– Replacement costs
– Your possessions (both on and off the premises)
At the time when you’ll be getting your Insurance Quote, remember to ask your Insurance agent regarding these types of coverages. Did you know that some Insurance companies can provide a personal liability coverage which may insure you up to $500,000 in case of someone getting hurt inside of your home (or even if you accidentally hurt somebody on the golf course). The Insurance Coverage called Off-premise will generally protect your things, even the ones in your trunk, to a varying extent that depends on limits and deductibles. Continue reading