A standard homeowners insurance policy insures the home itself and the things you keep inside. By having coverage, you can financially protect yourself if there’s an accident. Contact our agency today to learn more or to get a no-obligation quote.
What Is Homeowners Insurance?
Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.
Do I Need Homeowners Insurance?
While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate coverage is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.
Get a Quote
If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give Richard & Associates LLC a call today to get started or request your free quote now.