If you plan on getting home insurance within Scotia, NY, chances are you are aware that your policy will cover the structure of your home. But apart from this, what other areas are covered by your policy? DePaulo Agency comes in handy here, with the following guide breaking down areas that your home insurance policy will focus on.
Your Personal Belongings
When disasters strike, personal belongings comprise a significant part of home assets that need repairs and replacement. Home insurance coverage ensures that items such as clothing, furniture, and electronics are taken care of, allowing you to have peace of mind. Take note that these items are protected when covered perils arise, with examples of these being fire, hail, vandalism, and theft.
The Structure of Your Home
The structure of your home is the essence of your policy, allowing you to get compensation when unfortunate events occur. In addition to providing repair and replacement costs for your primary structure, a home insurance policy also protects detached structures such as your garage. Others such as tool sheds and gazebos are also covered, ensuring you eliminate out-of-pocket expenses for their rebuild.
Additional Living Expenses
If you can no longer live in your home due to damage from covered emergencies, home insurance helps you take care of additional living expenses. Examples of these include your accommodation fees and meal costs. Your travel costs are also paid for until your home repairs are complete.
When your guests get injured, or their property gets destroyed, you are likely to get sued for compensation. Home insurance helps you cover the ensuing expenses, paying for your damages when needed, while also taking care of legal fees.
Whether you need cover for your home or need protection against lawsuits, home insurance is the solution to keeping you safe from any unforeseen emergencies. Call DePaulo Agency today to get home coverage for your Scotia, NY property.