For many, homeowners insurance is a necessity. It offers financial protection for your home, and understanding coverages can help you pick a policy best fitting your needs.
It’s essential to note, homeowners insurance doesn’t cover every peril that can potentially harm the structure of your property. For example, most policies don’t cover termite damages, as this is seen as something preventable by the homeowner with proper maintenance. Some perils such as earthquakes and floods need to be covered under separate policies.
Homeowners insurance typically offers liability coverage, dwelling coverage and coverage to personal property.
Homeowners insurance offers financial protection against these standard perils:
Homeowners insurance isn’t a requirement - however, accidents frequently happen nationwide, and by purchasing a homeowners insurance policy, you add an extra level of security over your assets.
For example, a kitchen may be damaged by a fire. Home insurance would kick in after the deductible is paid to help pay for repair costs. In addition to paying for repairs, the policy type may also cover moving the policyholder and their household into temporary lodging as the structure of the home is being restored.
Consider examining the needs of your home and speak with a local insurance representative to understand what your coverage options are. They can help you choose a policy offering the best benefits for your home and belongings.
Creating long-term relationships and earning the trust of clients, is the focus of my approach. Through hard work, market knowledge, honesty and strategic problem solving, I strive to put clients at ease and make the real estate experience enjoyable and memorable.
As a consistently ranked top agent, I am committed to my clients receiving the best service. Since 1989, I have been a member of the National Association of Realtors and the Massachusetts Association of Realtors. With my dedicated experience in the area, I can guide you through the process of buying or selling.
