If you own a house, you probably understand that protecting it is crucial. One of the best ways to do it is to purchase home insurance. Its purpose is to protect you and your home from the unexpected. However, before buying any home insurance policy, you should know what home insurance covers and does not cover.
What Is Covered By Home Insurance?
It is essential to know that home insurance is divided into two parts – property coverage and liability protection.
Property protection covers the following:
- Dwelling
- Personal property
- Loss of use or additional living expenses
- Other structures
- Additional coverages
Here is what liability protection covers:
- Personal liability
- Liability
- Medical bills
What is NOT Covered By Home Insurance?
Unfortunately, home insurance has certain limitations and does not cover everything. Here is what is usually not covered by standard home insurance:
- Flood damage
- Earthquake damage
- Home insurance and mold
- Volcano coverage
- Landslides
If you think you may face these risks or you live in an area prone to the risks listed above, you should consider buying additional special coverage.
Goodman Insurance Inc. in Shelton, CT – The Insurance Company That You Can Trust
If you are lucky and you have a property in Shelton, CT, or any other nearby area, it is important to have proper and sufficient home insurance to protect your home. If you are searching for an insurance agency to purchase a home insurance plan addressing your needs, do not look any further – Goodman Insurance Inc. will gladly assist you. Our experienced insurance specialists will answer all your questions and provide detailed information about the insurance types we sell.
