You have recently purchased a house, and it is one of the largest investments that you will probably ever make in your lifetime which means you will want to protect it in any way you can. The home insurance agents at the Phil Klein Insurance Group in West Bloomfield, MI are touting the importance of home insurance and the different coverage options that are available for you to choose from to adequately insure your home.
Coverage Options for Home Insurance
When it comes to a homeowners insurance policy, there are many coverage options, but the basic policy will cover the structure of your home as well as any outbuildings which would include your deck or a garage. A home insurance policy will also cover your personal belongings, furnishings, appliances, and other items that you own inside your home.
A home insurance policy we’ll help repair or replace your home if it is damaged or demolished by an act of vandalism, and natural disaster, or a fire. It will also help you replace items that are stolen due to a theft or robbery incident.
Normally your home insurance policy will not cover your home or other items due to neglect to the home, flooding, or an earthquake. You can talk to your home insurance agent about adding on these additional types of policies that will cover floods and earthquakes.
If you have a mortgage on your home and borrowed the money from a bank or other lender to pay for your home, the lender will more than likely require that you have home insurance, but it is very important to have a policy in place even if you paid cash for your home, or it was given to you in some other way, such as through inheritance.
To obtain a quote for home insurance and to get your policy started, contact the trusted and experienced home insurance agents at the Phil Klein Insurance Group in West Bloomfield, MI today!