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Why is home insurance important?

A home insurance policy is a type of property insurance coverage that provides financial protection to both the insured’s dwelling and assets in the home.

A policy can also provide liability coverage that pays some or all of the cost of accidents in the home and/or property. Thus, your family is protected, too – not just your home.

But your homeowners policy will bring even more than financial security – it’ll bring something priceless, and that’s peace of mind.

What Does Home Insurance Coverage Include?

Your needs dictate what homeowners package you’ll choose. The product you get will protect you against covered PERILS.

PERILS are events that may cause damage to your personal property.

If the perils included in your policy take place, you can file a claim, and your insurer will pay for the loss.

The most common perils include:

  • Hail
  • Wind
  • Snow and ice
  • Vandalism
  • Theft
  • Fire

Coverage Options

Different policies have different coverages.

See more about what’s covered by home insurance here.

Most common coverages include:

  • Coverage A: Dwelling Coverage – the expenses needed to repair or replace a part of the physical structure of your home, should be based on the replacement cost coverage of your home, aka its current value.
  • Coverage B: Separate Structures – the replacement cost coverage for those structures that are physically detached from your home.
  • Coverage C: Personal Property damage – personal property insurance pays out for your personal belongings, such as clothes, furniture, and appliances
  • Coverage D: Loss of Use –reimburses the additional living expenses that our customers are put to when their home is not fit for living for a certain period
  • Coverage E: Personal Liability -homeowners insurance policies also entail personal liability users’ protection when they are facing legal responsibility for injuring someone or causing an accident
  • Coverage F: Medical Payments – your policy can defray the costs of medical bills in the event that you are at fault for someone’s injuries

Get Homeowners Insurance Add-Ons

Your home insurance policy may not entail all the coverage that you need. That’s when add-on policies kick in.

You can get an additional policy for multiple purposes, depending on what you seek.

For example, for coverages for high-value items, you can get additional personal property coverage. Or – you can add extra dwelling portion coverage that exceeds the replacement cost of your home.

Basically, anything that isn’t included in the regular coverage.

For any questions and more information, contact an Insurance Geek agent.

Determining the Cost

Your home insurance premium is multilayered.

Several criteria are considered when determining the cost of homeowners insurance.

Here is information on them:

  • Amount of coverage (dwelling coverage, limits, and more)
  • Location (depending on the state and your ZIP code, the rate varies)
  • The crime rate in the neighborhood (more frequent the crimes, the more chance the rate will be higher)
  • Fire safeguards and alarm systems (these can lower the rate)
  • Age of the house
  • Materials used to build the house
  • Condition of the house
  • Prior claims (they are a signal to the insurers that your home is at greater risk)
  • A credit score of the homeowner (better credit score results in a more affordable deal)
  • Amount of the deductible (a higher deductible will typically equate to a lower premium cost)
  • Discou