The homes you purchase are likely to be your biggest investment in your life; you’ll want the best home insurance available.
Homeowners Insurance
The homes you purchase are likely to be your biggest investment in your life; you’ll want the best home insurance available.
What is covered by homeowners insurance?
Before you purchase a home, you must show proof of a home insurance plan. It is mandatory, but it’s not a one-size-fits-all type of plan. It’s important to work with an agency to find a plan that fits your home’s unique location and nuances. You’ll want to consider whether your home has a pool, separate garage or a barn-like structure on the property. A standard homeowners policy will cover damages due to a natural disaster, but it can also cover jewelry, furniture, clothing, and medical bills in case of a guest injury. And if your home suffers serious damage, you will be covered while you seek temporary lodging somewhere else.
Kern Insurance Associates has been providing home insurance to individuals and families for decades, working with them to find the right plan regardless if they are insuring a starter home, forever home, or vacation home.
Damage Due to a Storm
The most well-known coverage included in homeowners insurance is that of damage due to a severe storm. This may include repairs to a roof, electrical components, or even siding.
Liability Coverage
If you are involved in an accident on the water, a boat insurance plan will cover the medical bills for you or anyone else injured in the accident. It may also cover any costs to clean up fuel that may have leaked during the accident.
Insuring Other Property Structures
Not every homeowners policy will include detached structures, in fact most do not. For instance, if your property has a detached garage, you’ll have to mention this to your agent.
