Homeowners insurance covers damages caused to the house and other parts of the property, depending on the provisions specified in the policy document. Anything outside the policy may not be indemnified. Commonly covered provisions include theft against personal properties and damages caused by fire and natural calamities such as lightning, wind, and hailstorms. In addition, there are other aspects of the property that are often covered by insurance.
Most homeowners insurance policies cover the house from the foundation to the roof, including the walls and permanent fixtures. In addition, many policies cover other structures that are a part of the property, such as a garage, shed, or fence.
Personal property is also often covered under homeowners insurance. This often includes items such as electronics, furniture, jewelry, musical instruments, and any other valuables. The insurance policy will cover the estimated value of these items if they are stolen or damaged.
Homeowners insurance often covers liability if a guest is injured in the home. For example, if a visitor falls down the stairs due to a faulty railing, they may find the homeowner responsible for their injuries. Liability coverage can protect the homeowner’s finances if the injured party has high medical bills or decides to sue.
Homeowners insurance helps provide peace of mind by reducing the financial burden on the owner if their house, surrounding property, or belongings are stolen or damaged. Balliet Gilmartin Insurance is an independent insurance agency that has been helping the residents of Lehighton, PA find the right coverage for their house, car, or business for over 20 years. If you’re planning to buy a house or are looking to change your current insurance policy, our dedicated agents can help you find appropriate coverage. Contact us today to request a quote.