Home insurance, also called homeowner's insurance, is like a promise between you (the homeowner) and an insurance company. You pay a regular amount called a premium, and in return, they promise to help you financially if something bad happens, like damage to your home, theft, or accidents on your property.
There are different types of coverage:
Dwelling Coverage: This protects your home's structure from fires or storms.
Personal Property Coverage: It covers your belongings, even when they are not at home.
Liability Coverage: If someone is hurt on your property, this helps with their medical bills.
Additional Living Expenses (ALE): If your home is not livable due to damage, it helps with temporary housing costs.
Medical Payments: It pays for medical bills if a guest is hurt at your place, no matter whose fault it is.
Understanding these coverages helps you make smart choices. We're here to guide you. With the right policy, your home stays safe, and your budget stays in control. Your home is where your heart is, and we're dedicated to keeping it that way!