Protect Your Assets with Homeowners Insurance
Reduce Financial Risk with the Right Homeowners Coverage
Crime, accidents and severe weather are part of life, and every home experiences loss or damage of some kind, at some point. You can’t predict when you will experience a loss, but you can protect yourself financially. Where do you begin, and how can you compare homeowner’s insurance quotes when it seems every company offers something different? Start by getting a free home insurance quote from Myers-Ziemke Insurance, an independent insurance agent in the Trusted Choice® Network. A local agent can compare rates for you so you can get on with enjoying your home and family. Your agent can also answer any questions you may have about how to get the right homeowners insurance for your needs, including personal property coverage, liability and more.
What Does Homeowners Insurance Cover?
Broadly speaking, insurance covers you for potential loss resulting from risks such as burglary or theft, severe storms, fire and also your personal liability. The specific risks you may face as a homeowner could include floods and earthquakes, which you must cover with separate policies, as these disasters are not included in home insurance.
Your home liability coverage protects you in the event that someone is injured on your premises or you are responsible for damage to someoneelse’s property. You homeowners insurance can even protect you against injury you cause to another person off-premises under certain circumstances. Note that liability insurance will not cover acts of violence or intentional damage.
Your liability insurance would also typically provide coverage if:
- Your child throws a baseball through the neighbor’s window
- Your dog bites a visitor to your home
- A visitor is injured on your backyard swing set or trampoline, or by falling on your icy sidewalk
- A dinner guest gets food poisoning and is hospitalized
If someone files a liability claim against you, your insurance can pay for property repairs, medical or funeral costs or even a lawsuit if the injured party chooses to launch a legal process. When evaluating the amount of liability coverage that makes the most sense for you, be sure to fully discuss your limits and deductibles with your agent. Take time to understand your risks, and determine whether you will be well covered in various circumstances. In the event of a disaster, the costs of recovering can devastate household finances. Quality home insurance can make a difficult situation bearable and help you get your life back on track.