{"id":140,"date":"2022-11-28T04:00:00","date_gmt":"2022-11-28T10:00:00","guid":{"rendered":"https:\/\/www.hbiainsurance.com\/blog\/?p=140"},"modified":"2022-11-28T16:28:13","modified_gmt":"2022-11-28T22:28:13","slug":"dont-leave-your-most-valuable-asset-unprotected-purchase-home-insurance","status":"publish","type":"post","link":"https:\/\/www.hbiainsurance.com\/blog\/dont-leave-your-most-valuable-asset-unprotected-purchase-home-insurance\/","title":{"rendered":"Don&#8217;t Leave Your Most Valuable Asset Unprotected &#8211; Purchase Home Insurance"},"content":{"rendered":"<p><span style=\"font-size:14pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:#333333\">Are you thinking about purchasing&nbsp;a home? Did you know that all lenders would require you to purchase homeowners&rsquo; insurance to protect their interests? The Hyman Brown Insurance Agency Inc., serving in and around the Commerce, GA area, can get you started with a homeowner&rsquo;s policy.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:14pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:#333333\">Here are the benefits a homeowners&rsquo; insurance policy will provide:<\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:14pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:#333333\">The reason for homeowners&rsquo; insurance is to protect your home. Imagine facing a total loss due to a fire or extensive and costly damage due to a weather event. Ideally, your home should be insured for 100% of its value, but 80% to 90% is standard. Most insurance policies will provide both major and minor damage and total replacement costs.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:14pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:#333333\">Your detached structures will be covered, such as a garage, storage shed, fences, and even the doghouse. Detached structures are covered up to a certain percentage of the coverage limit but can be customized if you want additional coverage for detached structures.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:14pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:#333333\">Before purchasing insurance, take an inventory of everything inside the home &ndash; the appliances, furniture, electronics, clothing, or anything you own the policy would cover that. If an event such as a storm destroys or damages this property, you can be reimbursed in whole or in part. <\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:14pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:#333333\">Liability coverage is a very crucial part of a homeowners&rsquo; insurance policy. If someone should be injured on your property, or if your dog decides to bite and a lawsuit results, you could be faced with thousands of dollars or more in medical bills or possibly a lawsuit. <\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:14pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:#333333\">If you cannot live in your home while it is being rebuilt or repaired following a covered event, hotel, food, and travel expenses will be provided. The loss of use benefit provides this for you.<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:14pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"color:#333333\">The Hyman Brown Insurance Agency Inc. can provide a quote or answer any questions you may have about this vital coverage. Contact our office today.<\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you thinking about purchasing&nbsp;a home? Did you know that all lenders would require you to purchase homeowners&rsquo; insurance to protect their interests? The Hyman Brown Insurance Agency Inc., serving in and around the Commerce, GA area, can get you started with a homeowner&rsquo;s policy. Here are the benefits a homeowners&rsquo; insurance policy will provide: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[5,6],"class_list":["post-140","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-commerce-ga","tag-hyman-brown-insurance-agency-inc"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/140","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=140"}],"version-history":[{"count":1,"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/140\/revisions"}],"predecessor-version":[{"id":141,"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/140\/revisions\/141"}],"wp:attachment":[{"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hbiainsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}