{"id":267,"date":"2022-11-28T04:00:00","date_gmt":"2022-11-28T10:00:00","guid":{"rendered":"https:\/\/www.philkleininsurance.com\/blog\/?p=267"},"modified":"2022-11-28T14:31:53","modified_gmt":"2022-11-28T20:31:53","slug":"a-valuable-asset-needs-protection-purchase-home-insurance","status":"publish","type":"post","link":"https:\/\/www.philkleininsurance.com\/blog\/a-valuable-asset-needs-protection-purchase-home-insurance\/","title":{"rendered":"A Valuable Asset Needs Protection &#8211; Purchase Home Insurance"},"content":{"rendered":"<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Are you a homeowner or thinking of becoming one? Phil Klein Insurance Group can provide insurance to protect your most valuable asset. We serve the West Bloomfield, MI area.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Home insurance, also referred to as homeowner&#8217;s insurance, covers a private residence. It combines personal insurance as well as liability coverage. It covers losses occurring to the home, loss of its contents, and loss of use, which means if you cannot continue living in the house during repairs, hotel expenses are covered. The liability insurance portion is for accidents in the home to guests while visiting. Dog bites are included in this coverage.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">There are some events not covered by homeowners insurance.<\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Acts of war<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Earthquakes<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Floods<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Infestations, including termites<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Mold<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Nuclear accidents<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Sewer backup<\/span><\/span><\/span><\/li>\n<li><span style=\"color:#333333\"><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Water damage<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"color:#333333\"><span style=\"background-color:white\"><span style=\"color:#444444\">Homeowners&#8217; insurance should be a major consideration for everyone who owns a home. This coverage protects you against theft, fire, wind damage, and other weather events. It also protects the contents inside.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:white\"><span style=\"color:#444444\">This insurance provides coverage for the main part of your home if destroyed or damaged by specific events such as natural disasters or bad weather.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:white\"><span style=\"color:#444444\">The most comprehensive homeowners insurance policies have coverage for higher valued items and would cover these valuables outside of the home, including abroad.<\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:white\"><span style=\"color:#444444\">Do you know that if you have a mortgage on your property, your lender will require that you carry homeowner&#8217;s insurance? Even if your home is mortgage-free, you may want this coverage. In the event of a lawsuit, you risk losing your home and property. The liability portion of the homeowners&#8217; insurance policy will prevent that from happening. <\/span><\/span><\/span><\/p>\n<p><span style=\"color:#333333\"><span style=\"background-color:white\"><span style=\"color:#444444\">Please don&#8217;t risk it. Protect your home with insurance. The <\/span><\/span><span style=\"background-color:#fafafa\"><span style=\"color:#212529\">Phil Klein Insurance Group can provide a no-obligation quote or answer any questions you may have. Contact our team today. You will be glad you did.<\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you a homeowner or thinking of becoming one? Phil Klein Insurance Group can provide insurance to protect your most valuable asset. We serve the West Bloomfield, MI area. Home insurance, also referred to as homeowner&#8217;s insurance, covers a private residence. It combines personal insurance as well as liability coverage. It covers losses occurring to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[5,7],"class_list":["post-267","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-phil-klein-insurance-group","tag-west-bloomfield-mi"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"agentinsure\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.philkleininsurance.com\/blog\/a-valuable-asset-needs-protection-purchase-home-insurance\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Phil Klein 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