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Home Owners Insurance Coverage against Liability
The home owners insurance policy is a package policy that combines two separate coverages (property and liability insurance) into a single policy. So, if the home suffers a fire loss, for example, the home insurance policy provides coverage for the fire damage. In addition, if a guest falls down the stairs of the home and sues the owner, the home owners policy provides liability coverage including any defense costs. To be eligible for a home policy the owner must reside in the home.
- Your pet injures someone and you get sued
- A guest is injured at your home during a party and they need medical attention
- You injure someone with a golf ball after a bad tee shot while on vacation and you are sued
Why Do you need home insurance?
As the biggest asset for most Americans, the risk of loss is too great to not insure against. Homeowner’s Insurance is Important for the many risks and events it can protect against the following and more:
- Wind and hail
- Theft and Vandalism
- Falling objects
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How Much does Home Insurance cost?
There are many different factors that are considered in the best rates for home insurance. Including:
- The location of your home
- The size of your home
- Your policy’s deductible amount
- Your Claims history
To check competitive rates on Home Insurance Policies, contact SRK Insurance Brokerage and Get a Free Quote Today.
Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.