If you plan to buy your first home, one of the first things you should do is take out a home insurance policy. There is an excellent chance that your house will be your most expensive asset; therefore, you need to protect it. There are several ways that home insurance can protect your house, you, and your family.
Structural coverage will pay if your house is damaged or destroyed in a fire, severe weather, vandalism, or from a falling object. It would also cover any other structures attached to the house, such as a garage or a deck.
This part of your policy will cover any structures on your property that are not attached to the home. This includes detached garages, sheds, and fences. These structures would be covered for the same disasters in the structural coverage portion of the policy.
When you move into your new house, you want more than just the house to be covered. You also want your personal belongings inside to be covered if something happens and your things are damaged and destroyed. This coverage will pay to repair or replace your items during a disaster. It would also cover any items stolen during a robbery.
Liability coverage is essential in protecting you financially. If someone is injured on your property, your liability insurance will cover the cost of their medical bills and any other bills associated with the accident.
It also covers incidents that occur off the property. For example, if your child throws a baseball through a neighbor's window, your liability insurance would cover the cost of the window. If your dog bites someone on the street during a walk, your liability will cover that as well. This coverage will keep you from going broke if you are sued.
If you are buying a home in Colorado, Minnesota, or North Dakota, contact Integrity First Insurance. We can help you purchase a home insurance policy that will give you all of the coverage that you need. To get your policy started, visit our Englewood, CO office, our Fargo, ND office, or contact our Minnesota team. Give us a call today.
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