Owning your own home gives you a sense of stability and provides a long-term investment plan. At PorchLight Insurance, we understand that your property is not only a form of investment but also helps you create treasured memories with your loved ones and stores your treasured possessions. Your home insurance needs will depend on different factors such as the size of your home, its age, safety features, and much more.
Even though property insurance is not mandatory, it's the only way you get to enjoy living worry-free in your home. Plus, lenders may require it before financing your home. Throughout the entire country, there are several risks from natural and man-made disasters that could destroy or damage your home. And with the hard economic times, recovering from such a loss out of your own pocket can prove impossible. Some of the coverage options you can choose from include:
Dwelling coverage: This protects the physical structure of your home, including the walls, roof, built-in appliances, and wall-to-wall carpets. It covers the cost of repairs/replacement of these structures following a covered risk.
Loss of use coverage: Caters for any additional living expenses that you may incur during repairs should a covered loss render your home inhabitable.
Liability coverage: This protects you when a third party sues you or makes a claim against you for bodily injury or property damage incurred following an accident within your premises.
Personal property coverage: This protects your personal belongings in your home should they be damaged or stolen. These may include furniture, appliances, jewelry, fine art, antiques, and several other valuables you have in your home.
Talk to one of our agents to help you decide on what's best for your home. At PorchLight Insurance, we offer customized, affordable, and reliable home and property insurance policies that can protect your home from the unexpected. To fulfill your home insurance needs, contact us today.