Standard home insurance provides a lot of coverage to help protect you from financial liability when something goes wrong with your house. At Baldo-Downs Insurance LLC, servicing Tuscaloosa, AL, we help homeowners find the right insurance policy to give them the protection they need.
Home insurance provides peace of mind by paying to repair or replace your home or belongings when a covered event occurs. If you’re wondering what home insurance covers and what it doesn’t, we can help. Here’s what to know.
Understanding Home Insurance Coverage
Standard home insurance will pay to repair or replace your home and belongings after a covered event such as:
- Theft
- Vandalism
- Fire
- Lightning strikes
- Wind storms
- Hail
A typical home insurance policy will pay to protect other structures on your property. These policies also provide personal liability coverage and coverage for other dwellings on your property.
What Home Insurance Doesn’t Cover
There are some events that home insurance doesn’t cover. Earthquakes and flooding are examples of this. If you live in an area at risk for these types of disasters, you may wish to get separate earthquake or flood damage policies.
To get this type of coverage, talk to your insurance agent. These policies can be issued through federal government insurance programs, but your insurance agent can help you obtain this type of insurance.
Need More Coverage? Contact Us Today
Some people want to insure their homes separately for earthquakes and floods. Other people want to increase the coverage in their existing home insurance policy. If you need an umbrella or another type of policy, the professionals at Baldo-Downs Insurance LLC, servicing Tuscaloosa, AL, can help you. Call today.
