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Homeowners Insurance Policies
Your home is likely your most valuable material asset and should be protected as such. It is important to have proper coverage on your home in the case of an accident or disaster. Millstone Insurance will help you find the best homeowners policy that will fit your coverage needs for the best price possible.
Every homeowner policy is unique and there are many different insurance companies and policies to choose from, all of which offer various coverages for various prices. Millstone Insurance will look at these different companies, options, coverages, and costs so that you don’t have to take on the overwhelming task of doing it all yourself.
Depending on your needs and assets, your homeowners policy will cover not only the structure of your home in the case of a disaster, but can also cover the contents inside the home and more.
Homeowners Insurance Coverages:
Dwelling – Dwelling insurance is the part of your homeowners insurance policy that may help pay for the rebuilding or the repair of the physical structure of your home if it’s damaged by a covered hazard. Covered hazards can include: fire, smoke, lightning, wind, hail, falling objects, vandalism, and theft. * Dwelling insurance normally does not cover damage from: improper maintenance of the structure, floods, earthquakes, or water back-ups, although these coverages can certainly be added to your policy.
Other Structures – This is the part of your homeowners insurance policy that would help you repair or replace structures on your property other than your home. These typically include: fencing, driveways, and detached buildings like garages or sheds.
Personal Property – This is the part of your homeowners insurance policy that covers all of your belongings such as clothing, appliances, furniture, electronics, etc.
Scheduled Personal Property – You may want special coverage for valuables or collectible items.
Medical Payments – This helps cover medical expenses in case of an accident on (and sometimes off) your property resulting in someone being injured. * This type of coverage does not cover health care for you or other members of your household.
Loss of Use – This would help pay for additional costs you may incur for reasonable housing and living expenses if a covered hazard causes your home to be temporarily uninhabitable while it’s being repaired or rebuilt.
Personal Liability – This helps protect you and your family financially in the case of a claim against you or your family. This insurance would help pay for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible. You would want to protect your assets if you are sued, so consider this when choosing your liability coverage limits. An umbrella policy may be a good option if you need extra coverage.