Most people work for years to be able to afford a home of their own. When they are able to buy a home, it is often the most expensive investment that they will ever make. Because they worked for so long to buy their home and because it is so expensive, they want to make sure that it is protected in case of a disaster. This is where home insurance in Carlisle, PA can help. There are several ways that a homeowner’s insurance policy will protect the owner and their home.
Cover the Home If It Is Damaged or Destroyed
If a home is damaged or destroyed by a covered loss, such as a fire or a major storm, the home insurance would pay to have the home repaired or rebuilt. There are certain losses that are not covered under a standard policy, therefore, the homeowner should discuss that with their insurance agent.
Additional Structure Coverage
If a homeowner has a shed, gazebo, a detached garage, or any other detached structure on their property and it is damaged during a covered loss, the insurance would pay for the repairs.
Theft and Vandalism
If a person’s house is broken into, the home insurance would cover the damage that the intruder caused to the home and also replace anything that was stolen. If the home was vandalized, the insurance would cover to repair that damage as well.
Liability Coverage
If a visitor is injured on the person’s property, their liability coverage would pay for the injured party’s medical bills and pain and suffering. Without this insurance, the homeowner would need to pay the injured party out of their own pocket, which can be very expensive. Liability insurance would also cover things that happened away from the home. For example, if the homeowner’s child throws a baseball through the neighbor’s window, the insurance would pay to replace the window.
Additional Living Cost
If something happens and the home is damaged and it cannot be lived in while the repairs are being made, the insurance would pay for the family’s living expenses.
For more information regarding home insurance in Carlisle, PA, contact Farnham Insurance.
