The agents at the Taake Insurance Agency in Columbia, IL express the importance of home insurance. If you borrowed money from a bank or another lender to purchase your home, you are required to have a home insurance policy in place, but even if you paid cash for your home, you will want to protect it with an adequate amount of home insurance.
Home insurance is designed to replace or repair your home and your belongings and other items if your house is damaged by a fire, vandalism, or even a natural disaster. It can also cover theft or robbery incidents that take place at your home and may cover the items that are stolen.
What Does Home Insurance Cover?
A typical homeowners insurance policy will cover your dwelling, which is the house itself, and other structures on your property. It will also cover your personal property inside your home, such as your belongings, household items, appliances, fixtures, etc. A homeowner’s insurance policy will also protect you from liability for injuries that may occur to someone visiting your property or for any damage to their property that happens while they are visiting you on your property.
Examples of other structures on your property include decks, barns, sheds, and even swimming pools. The dwelling portion of your home insurance protection includes your house, its foundation, and anything attached to your house, such as a garage or deck.
To create the best home insurance policy for you and your situation, enlist the assistance of the experienced home insurance agents at the Taake Insurance Agency in Columbia, IL. Call for an appointment today to get your policy started!