Homeowners insurance is a policy that provides protection against disasters and other issues that can hurt you financially. In most cases, this type of insurance is in the form of a package policy that covers the following:
- The structure of your home
- Your personal belongings
- Liability protection
- Additional living expenses should you be displaced from your home due to disaster
Coverage for these things varies depending on your policy. Typically, you can create a comprehensive policy with your insurance agent that provides adequate coverage in the areas you need it. Homeowners insurance ensures that you and your family will be safe from liability issues and property damage. Included in liability issues, typically, is injury or property damage that you or a member of your household causes to another person. Some policies will also include damage caused to other people by household pets. Your home is covered for damage caused by most disasters. Typically, floods, earthquakes, and normal wear and tear are excluded from homeowners insurance coverage. Supplemental policies can be purchased to cover floods and earthquakes.
For more information about homeowners insurance in Rhode Island, contact Podmaska Insurance Agency today! We can offer you numerous options for creating a customized and comprehensive homeowners insurance policy. Filling out our free quote form can also help us better understand your insurance needs.