Being a responsible homeowner is getting insured properly against the variety of risks you face. Whether a tree falls onto your garage, a guest slips and gets hurt in your home, or your belongings are damaged in a fire, with the right home insurance policy, you may have a layer of financial protection for repairs, replacement, and liability claims. However, you can’t get a policy to cover such losses after they’ve occurred.

That’s why being proactive is key. Work with the experienced team at The Bush Agency to get the homeowners insurance policy you need to be adequately protected against the inherent risks of home ownership. Call us today to get started.

What Home Insurance Covers

Home insurance 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 a few different types of homeowners insurance policies, some of which are meant for renters or condo owners. Working with an experienced agent can help you narrow down the best policy for you and your needs.

The standard homeowners insurance policy covers your dwelling and other structures, personal property, loss of use, and liability. Depending on your situation, you may consider adding additional coverages, known as riders or endorsements, to your policy, such as service line coverage or scheduled property coverage, to ensure you’re properly protected. What’s more, depending on where you live, you may want to discuss your need for a separate flood insurance policy with The Bush Agency team, as homeowners insurance doesn’t cover damages related to flooding.

How Much Home Insurance Do I Need?

Knowing how much home insurance to purchase is a common concern for many homeowners, particularly those who are buying their first home. Most lenders or home loan companies require you to purchase a minimum amount of coverage before they approve your home loan and necessitate you continue to carry coverage until your home is paid off. Beyond this, you’ll want to ensure your policy provides enough coverage to protect your financial health should you experience a total loss. Work with the The Bush Agency to determine what amount of coverage is appropriate for you.

Where Can I Get Homeowners Insurance?

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give us a call today to get started or request your free quote now.