Getting a home is one of the celebrated milestones one can achieve in life. A home is also a place where you go back to after a long day and find calm. For these reasons, you need to protect it as much as you can from unexpected occurrences. The most effective way of doing this is by getting home insurance cover. At Hanneken Insurance Agency Inc., serving Little Falls, MN, we offer home insurance covers. We are ready to take you through our offers and give you sound advice to ensure maximum coverage of your home.
Below are some of the most common that home insurance covers.
Home Structure Damage
Under this aspect, insurance covers the physical structure of a house against damages. For example, if a roof leak is caused by hail or a storm, the policy may pay for repairs. Some policies also cover damages caused by trees, as long as it’s not out of negligence.
Standard home insurance offers coverage against fires. Mostly, the covers include rebuilding the structure and replacing the possessions destroyed by the ordeal. Some even offer accommodation coverage during the rebuilding period.
Some companies cover plumbing issues that don’t arise out of maintenance negligence. Flood insurance may not be offered in a standard policy but may be available at an additional cost.
Loss Of Personal Property
Some insurance properties offer cover for personal property such as computers, air conditioners, and television sets. They can also cover expensive possessions, including jewelry. Insurance companies usually have a limit on their extent of coverage. That’s why you should read the policy properly before taking it.
A home is a costly investment that needs to be protected against unforeseen calamities. At Hanneken Insurance Agency Inc. serving Little Falls, MN, we have various home insurance coverages you can choose from, according to your individual needs. Contact us to learn more.