What Is Usually Covered By Home Insurance?

Living in Clinton, MS can be a lot of fun, especially with the ability to enjoy all four seasons. However, if there’s a problem from a storm, a break-in, or something else, you need to know what’s covered by your home insurance policy.

What’s Standard

There are several standard features in a homeowners insurance policy:

  • Damage to the home itself
  • Damage to property inside of the home
  • Liability coverage
  • Additional living expenses coverage

Liability coverage takes care of someone if they get hurt inside of your home. It can also help with coverage if someone from your household damages the property of someone else (such as a kid throwing a ball into a neighbor’s window).

Optional Coverage Items

While the basics are covered by home insurance, it might not be enough based on where you live. You may need to have flood insurance so that you are covered in case of flood waters entering your home. If you have many valuable items that exceed the standard policy coverage, you may want to get a rider that will add more coverage.

By working with an independent insurance agent like OFS Insurance Agency, LLC, you can go over the various scenarios to find out whether you have the coverage that you need or not. Sometimes, adding more coverage can offer a higher level of peace of mind.

Find out more about what you need in your home insurance policy by calling OFS Insurance Agency, LLC today. One of our insurance agents will work with you to find a policy that fits your needs in Clinton, MS.