Now that you decided to buy your dream home is the right time to get a home insurance quote.
Home. In three words is: safety, security, stability. For most, home is future, is a blessed place where family help each other and create memories. With our various insurance options BSP Insurance Agency can help you protect this valuable possession with homeowners insurance that fits your priorities and your budget.
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When you know that you have the coverage you need to help protect your home and personal belongings, you can focus in achieving all your other goals in life. Getting a home insurance quote today is quick and easy.
What is Home Insurance?
Homeowners insurance can help protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, legal fees and more.
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Why Do I Need a Homeowners Policy?
A homeowners policy is recommended for anyone who owns a home or condo and may even be required by your mortgage lender. You will need separate coverage to help protect your home and personal belongings against damage due to floods or earthquakes. If the unexpected happens, home insurance can help you restore your life back to normal.
What Does Homeowners Insurance Cover?
One of our representatives can help you determine the homeowners coverage that best fits your needs and budget, but a typical policy can cover:
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The structure of your home
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Other structures on your property (e.g. garage, shed)
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Your personal belongings
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Additional living expenses if you cannot live in your home due to a covered loss
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Your personal liability or legal fees
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Limited valuable items (extra coverage can usually be added)
Be sure to explore options to customize your limits and coverages to meet your needs. Your homeowners insurance policy includes coverages in the following categories to help ensure your home and assets are appropriately protected.
Dwelling Coverage
Dwelling coverage can help pay to repair or rebuild your house if it’s damaged by a covered cause of loss. Some examples of the types of risks that may be covered include:
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House fires
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Severe weather
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Damage from plumbing or appliance leaks
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Vandalism/theft
Personal Property Coverage
Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include:
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Your furniture
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Clothes
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Sporting goods
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Electronics
Personal Liability Coverage
Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a family member in your household is responsible for causing bodily injury or property damage to others.