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Homeowner's Insurance · Everyone Should Be Protected When Buying Real Estate
Homeowner's Insurance
Homeowner's insurance, another name for hazard insurance, is required by the mortgage company to protect its interest. Homeowner's insurance is one of the most comprehensive insurance policies available today. It not only covers your home and personal property, but also protects you from liability exposure if someone gets hurt on your property.
Your policy protects your home and any structure attached to it, like a porch or garage. Other unattached buildings on your property are also covered as long as they're not used for business purposes or rented to others. Your personal property coverage protects the possessions in your home like clothing, furniture, jewelry, and other valuables. It also protects your property away from home, for example, luggage you take on vacation. You are covered for perils such as fire, lightning, hail, windstorm, smoke, explosion, vandalism, theft, etc. This coverage does not include hurricanes.
The investment a homeowner makes in hazard insurance is worth it for both peace of mind and protection from unexpected loss.
