Our agents at Diverse Insurance Solutions have helped many homeowners find a homeowners policy that provides the coverages they need. This also includes insurance protection for their possessions and liability coverage. If you’re a homeowner, we would love to help you find a robust yet affordable policy that will keep you well covered. Here are some of the things one of our agents might talk with you about when you contact our agency.
Property Damage Coverage
Property damage coverage, in many homeowners minds, is the foundation of a homeowners insurance policy. It’s the coverage that may insure your home against fire, theft, vandalism, hail or other perils, depending on your policy’s specific terms and conditions.
Our agents will walk you through each policy you consider and explain how its coverage would apply to different scenarios. If you’re looking for a bargain, they may suggest a named perils policy that protects against specifically listed risks. If you’d like more robust coverage, they’ll likely recommend an open perils policy, which still has limits but provides more comprehensive coverage. Either way, the agent you talk work with will find you a homeowners insurance policy that meets your requirements.
Personal Property Coverage
Most homeowners policies will treat your personal possessions, everything from your toothbrush and socks to your wedding band and computer, under a personal property section. The level of coverage that this section affords varies widely from policy to policy. Some will only reimburse you for the depreciated value of lost or stolen items, while others might give you the full replacement cost. Additionally, some policies might limit coverage on certain items, but others might not have such limitations.
Again, our agents will carefully review multiple policies with you. They’ll explain the technical jargon in a way that’s easy to understand, so you know exactly what type of personal property coverage each policy you’re considering provides.
Liability coverage is designed to provide protection against accidents. Every policy is different, but some examples of incidents that might be covered by a homeowners policy include:
- a guest tripping over a laundry basket on the stairs and hurting themselves
- your child injuring a classmate during a recess football game
- your kids hit a baseball through your neighbor’s window
- When reviewing liability coverages, our agents will have lots of stories to share with you. Some are funny, and others are sad. They all will help you understand how liability coverage plays out.
In its guide on homeowners insurance, your state’s Bureau of Insurance lists several other coverages to consider, including:
- protection for other structures on your property
- medical payments coverage
- personal living expenses coverage
- protection for your landscaping
- debris removal coverage
Our agents will review each of these with you and help you find a policy that has the types of coverage you need.
Contact Our Insurance Agents
For help finding a great insurance policy that provides all of the coverages you need, contact us at Diverse Insurance Solutions. Our agents are able to compare policies from every insurance company. We will get quotes from multiple insurers and help you review each policy’s coverages. We’ll make sure you get the right one for you.