Home Insurance in Indiana
Smart homeowners recognize the importance of protecting their investment with home insurance. By researching your home insurance options, you’ll have a better idea of the coverage you need to protect your property. At Irvington Insurance in Indianapolis, IN, we can personalize your policy to ensure you’re protected against perils that pose the greatest risks in your local area without paying for unnecessary coverage. What kind of protection does home insurance provide?
A typical home insurance policy in Indiana provides the following protection for your home:
Dwelling coverage protects your home structure to include roof, foundation, and walls against such perils as hail, windstorm, fire, and other disasters.
Contents coverage protects your personal goods to include furniture, appliances, electronics, clothes, etc. If these items are stolen or damaged in a covered peril, your contents insurance will help cover repair or replacement costs.
For high-end goods, you may need additional coverage in the form of a rider to fully cover the value of these goods if they’re stolen or lost in a disaster.
Other Structures insurance protects structures on your property that aren’t attached to your home, such as storage shed or gazebo, against vandalism and disasters.
Liability coverage safeguards your assets from lawsuits in the event someone has an accident on your property and sues you for damages. A slip and fall during a party could send a guest to the hospital, leaving you responsible for medical costs. Liability insurance helps cover these expenses so you don’t have to dip into your savings to pay for damages.
Additional Living Expenses: If your home suffers damage in a disaster and you have to live elsewhere while it’s being repaired, this insurance helps cover your expenses until repairs are done.
You can’t predict when disasters will strike, but you can be fully prepared with comprehensive home insurance coverage. For quality home insurance to protect your Indiana abode, contact us at Irvington Insurance located in Indiana.