Homeowners Insurance
Homeowners Insurance Coverage
For most Missourians, their home is their biggest investment. But more than just a financial asset, a home is the center of the family, a place to host friends, and a comfortable haven at the end of a long day. A comprehensive homeowners insurance policy can go a long way toward easing your mind and protecting your financial interests.
Not only is homeowners insurance required by most mortgage lenders as a term of the loan, but it’s also an important financial tool that protects the physical structure of your home, its contents and more. Homeowners insurance can protect you if someone is hurt on your property and sues you for damages. It can guard against loss from theft, protecting your possessions when they’re inside your house or out of it. A Sharpe Insurance agent
will sit down with you to talk about your coverage.
Structures
A homeowners policy will cover the physical print of your home. You should always carry a policy to cover the cost of rebuilding your home. Other structures coverage can provide extra protection for sheds and detached garages. These other structures will include the same covered perils that your dwelling policy does.
Personal Property
Did you know that your personal property is covered by your homeowners insurance? Homeowners policies will cover your possessions whether or not they are stored in your home. It is important to have an accurate inventory of any big-ticket items you own. Some art, jewelry, or antiques may require extra coverage on top of your basic policy. If you sell any of these items, always be sure to update your policy so that you are not paying for extra coverage that you no longer need. An insurance rider can cover expensive items at their appraised value.
Liability
Liability coverage can protect your finances against lawsuits for bodily injury or property damage that you might cause. This coverage can even include damage that a pet may cause. If you have significant assets, you may want to consider adding extra liability coverage beyond what a typical homeowners policy may include.
Additional Living Expenses
A homeowners policy that includes additional living expenses will pay for extra costs if you are unable to live in your home due to damage caused by a covered disaster. This could include restaurant meals, hotel stays or even lost rental income while your home is being rebuilt.
Contact Sharpe Insurance – Lewistown, MO
Your Local Home Insurance Agency
Protecting your home is one of the most important things you can do. At Sharpe Insurance, we want to make sure that you have a homeowners policy that suits your needs. We will take the time to understand your assets and liabilities and tailor a policy that uniquely serves you.
For a customized homeowners insurance quote, contact Sharpe Insurance today.
Helpful Homeowners Insurance Terms