While there are different things that homeowners can add to their Windham CT insurance policies to customize them to their specific needs, there are some things that generally come standard. Whether you are looking to purchase a new home and wonder what insurance will cover, or if you are looking for a more comprehensive kind of coverage than what you’ve already got, the following will outline some of the basic reasons that homeowners insurance is so important:
- Coverage for the Dwelling Itself – Windham CT insurance for homeowners typically covers the dwelling itself. If the home was damaged by something that is covered, such as fire, lightning, vandalism, or even theft, the insurance coverage pays to replace electrical work, plumbing, and HVAC work.
- Coverage for Personal Property – Items inside the home that were destroyed due to covered causes can also be compensated for. This includes jewelry, electronics, sporting items, clothing, and furniture.
- Coverage for Temporary Housing – If the damage to your house puts you out of a home for a while, many homeowners insurance policies cover the additional living expenses for the duration of the time that the home is being rebuilt or repaired.
As you can see, there are some real risks that come with homeownership, but that doesn’t have to worry anyone. With Windham CT insurance, homeowners can rest easy knowing that they are being financially cared for.