Three Important Types of Coverage in Your Home Insurance

A home insurance policy comes with several different coverage types. It’s important to have each of these coverage types so that you’re well covered in case of damaging events and accidents. Each of these types of coverage protects you in a different way against certain risks that exist for homeowners. When you get your home policy, call us at Hyman Brown Insurance Agency Inc. in Commerce, GA.

House Coverage

The protection for the structure is one of the most important types of home coverage you need. Every home policy comes with this protection in case of damaging events happen to the house. This coverage pays for the repairs that are needed after something damages it. This may be anything from a calamity to an accident to certain disasters. They can seriously damage a house and cause it to need expensive repairs to be habitable. 

Belongings Coverage

This coverage works much like the coverage for the structure, but it pertains to your belongings at your house. If a damaging event causes serious damage to your things, this coverage can pay for them to be repaired or replaced. A damaging event can cause damage to the home and to your things, and you need this coverage just in case this happens. Item replacement can be extremely expensive without coverage. 

Liability Coverage

If someone comes onto your property and has an accident there, the cost of the injuries would be up to you. That’s what the liability coverage is for. It protects you against what can be incredibly high medical expenses. 

Get Your Home Insurance Policy

If you’re buying a home or want to change your existing home insurance coverage, call us at Hyman Brown Insurance Agency Inc. in Commerce, GA.