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For most American families, buying a house is one of the biggest financial investment they will make in their life. Because of this, it’s worth protecting your home with homeowner’s insurance. Unlike car insurance, the government does not make you buy homeowner’s insurance. However, if you borrow money from a lender to buy the house, then the lender will probably require that you get insurance. This is because if your house suffers a fire or is damaged by vandals, the lender wants to know that the insurance will be there to pay for these damages and losses. Call us for a San Diego Homeowners Insurance Quote.
What Does Homeowner’s Insurance Cover?
Most homeowner’s insurance comes with standard coverage which typically includes:
- Dwelling: plan covers damage or destruction of the building itself; includes unattached items such as fences and sheds.
- Personal Property: if you are robbed, items inside the house are covered; includes furniture, clothes, and appliances.
- Liability: protects against financial loss if the homeowner is guilty of house-related injuries/damage.
- Medical Payments: policy covers medical bills for injuries caused by, or related, to the house.
- Loss of Use: policy will reimburse a portion of living expenses if the house is no longer liveable.
In addition to the above, you can also include add-on policies to get extra protection. You should know that homeowner’s insurance does not cover damages and losses due to earthquake, flood, windstorm, nuclear war, and events of that nature. You will need to buy those in addition to the standard homeowner’s insurance.
Get a San Diego Homeowners Insurance Quote
KM Insurance Services can help protect homeowners from financial ruin with a good, comprehensive homeowner’s insurance plan. Call us for a quote. We work with over 20 insurance providers and can find a plan that matches your needs and budget. Contact us by Email or by telephone at: (619) 667-2880.