Why Do You Need Homeowner’s Insurance?

If you are like many people, buying a home is likely one of the biggest investments you will ever make. When you acquire homeowner’s insurance from Martin Insurance Agency, you are not only protecting this asset, but also safeguarding your personal finances against significant loss.

What These Policies Cover

Although each homeowner’s insurance policy is different, this type of insurance usually covers damage from fire and lighting, windstorms, hail, theft, and other disasters that threaten the structural integrity of your home. However, these policies do not usually cover bodily injury or harm that is expected by the homeowner, business pursuits, the use of a motor vehicle, or professional services provided to another person.

It is recommended that you purchase a policy that is at least equal to the estimated value of your home. Additionally, you will want to take a detailed inventory of all of the valuable, personal possessions you keep in your home. This will allow you to gain a better understanding of how much coverage you need and what you want your policy to cover in case an unforeseen event occurs.

Don’t Wait

If you put off contacting Martin Insurance Agency about acquiring a homeowner’s insurance policy, you could be putting your personal finances at risk. To ensure that you are not uninsured when an inopportune event occurs, make obtaining this type of insurance a priority.