Crime, accidents and severe weather are part of life, and every home experiences loss or damage of some kind, at some point. You can’t predict when you will experience a loss, but you can protect yourself financially. Where do you begin, and how can you compare homeowners insurance quotes when it seems every company offers something different?

Start by getting a free home insurance quote. When you work with a local agent you'll get quality service and can compare different rates and savings that will match the insurance plan you are looking for. Your agent can also answer any questions you may have about the types of homeowners insurance coverage you need, including personal property coverage, liability and more. Call and find a local agent near you to get set-up with an the right policy.

What Does Homeowners Insurance Cover?

Broadly speaking, insurance covers you for potential loss resulting from risks such as burglary or theft, severe storms, fire and also your personal liability. The specific risks you may face as a home owner could include floods and earthquakes, which you must cover with separate policies, as these disasters are not included in home insurance.

Your home liability coverage protects you in the event that someone is injured on your premises or you are responsible for damage to someone else’s property. You homeowners insurance can even protect you against injury you cause to another person off-premises under certain circumstances. Note that liability insurance will not cover acts of violence or intentional damage.

Your liability insurance would also typically provide coverage if:

  • Your child throws a baseball through the neighbor’s window
  • Your dog bites a visitor to your home
  • A visitor is injured on your backyard swing set or trampoline, or by falling on your icy sidewalk
  • A dinner guest gets food poisoning and is hospitalized

If someone files a liability claim against you, your insurance can pay for property repairs, medical or funeral costs or even a lawsuit if the injured party chooses to launch a legal process.

When evaluating the amount of liability coverage that makes the most sense for you, be sure to fully discuss your limits and deductibles with your agent. Take time to understand your risks, and determine whether you will be well covered in various circumstances. In the event of a disaster, the costs of recovering can devastate household finances. Quality home insurance can make a difficult situation bearable and help you get your life back on track.

Why Work with an Independent Agent?

Now that you know the many ins and outs of homeowners insurance, you can see why it is so important to work with an insurance agent who can answer all of your questions. An independent agent can compare policies and options for you from multiple insurance companies, and provide the service you need to make an informed decision.

Additionally, your local agent can look for all available discounts and savings that can help to lower your home insurance costs. When it comes time to file a claim after a loss, your agent will assist you with the claims process so you can recover as quickly as possible.