Home Owner's Insurance

Home Owner's Insurance

The Basics of Homeowners Insurance

Owning a home requires a tremendous investment of money, time and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, and by providing liability protection for the residents. Homeowners insurance will protect you and your family from enormous loss in the event of damage or destruction to your home or property.

Homeowner’s Insurance Coverage

Most homeowner’s insurance policies provide coverage for your home, its contents, and other structures such as a garage or shed.
Personal property is typically covered against fire, lightning, theft, windstorms and hail, smoke, damage by vehicle or aircraft, burst pipes, damage from falling objects, and damage caused by weight of snow and ice. In addition, coverage is provided for personal liability, medical expenses of others which result from injury on your premises, and damage to the property of others while on your premises.

The average homeowners policy is made up of two parts:

2. Liability protection. This section is broken down into two parts.

Once you understand the basics of your standard homeowners policy you can better understand what is and what is not covered. Many people assume certain things are covered and find out too late they are not. Most non-standard perils, however, are available as additional coverages and can be added to the standard policy.

The following maynot be covered in a standard policy (but are available as additional coverages):

For those who do not own their residence, renter’s coverage is available. Coverage is provided for your contents as well as your personal liability.

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921 East County Line Road, Suite B2 
Lakewood, NJ 08701 

Tel: 732.730.8700
Fax: 732.960.2302
E-mail: info@surecoagency.com

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