Why Basic Homeowners Insurance is Anything But

Why Basic Homeowners Insurance is Anything But

Here’s what standard homeowners insurance can cover.  

Many homeowners are under the misconception that anything more than the absolute minimum amount of home insurance will be too expensive. While that is not true, and homeowners can get tailored coverage for an affordable price, it’s worth noting that even standard home insurance can cover a myriad of situations. In fact, many basic homeowners insurance policies include several types of coverage that homeowners may not even realize. Take a look at what standard insurance can cover.

Personal Liability

Even the most basic of home insurance policies always includes personal liability coverage, in addition to protecting the house itself. Personal liability can help pay for situations when a guest sustains an injury or their property gets damaged when visiting your home. From medical expenses to legal fees, if he/she decides to sue, this coverage can help you when accidents happen.

Medical Expenses

Most standard homeowners insurance policies include a special portion of coverage dedicated to covering only medical costs associated with injuries your guests obtain at your house. This means that you have money ready to go in the event of a claim, which can make life easier for everyone involved. It also ensures that your guests get the medical attention they need.

Loss of Use

Many basic policies will cover your living expenses if you are forced to relocate after a covered peril. That means if your home becomes uninhabitable after a disaster, your policy can help to cover the money you have to pay to live somewhere else. This means that you have help paying for hotel bills, restaurant meals, and even laundry fees.

Homeowners insurance can help you to save money and protect your home from damage and disaster. Ensure that you have the optimum coverage by visiting the professionals at Gee-Schussler Insurance Agency. Our team is here to help you protect your home in Orland Park, Illinois.