Home insurance is not required by the state of [INSERT STATE] but it is required by your lender. Even if it isn’t mandated, it is a good idea to protect your major investment. Home insurance isn’t just one type of insurance, it provides a variety of different protections. At [INSERTY AGENCY] in [INSERT CIY, STATE], customer service is our first priority and making sure you get the right insurance at the right price.
Does home insurance cover my personal property?
Yes, contents coverage is included with home insurance. You have two options; replacement cost and actual cash value. With actual cash value, the age of your items is taken into account. With replacement cost, older items can be replaced at today’s prices. Your personal property is covered in your home but also away from home when you travel and have it with you.
Does home insurance cover flooding?
No, flooding is not covered by home insurance. Flood insurance is available for purchase if you need it.
If I get termite damage will my home insurance pay for the repairs?
No, home insurance does not pay for termite damage. As a homeowner, the insurance company expects that you will maintain your home. You are responsible for getting termite prevention treatment and it is considered negligent for you to have insect damage to your home.
If my dog bites someone, will my home insurance pay for medical bills?
As long as your dog is not one of the restricted breeds, home insurance should cover a dog bite. Check to make sure the breed of dog you have is covered.
If I drive into my garage door, is it covered under my home insurance or auto insurance?
Since a garage door is part of your home structure, it is covered by home insurance.
Contact [INSERT AGENCY] in [CITY, STATE] for all your home insurance needs.