Homeowners Insurance Basics

August 23, 2019
Do you own a home in the Spicewood, Texas area? If so, Whiteside Insurance has friendly, knowledgeable agents who are ready to discuss homeowners insurance policies available to you. If you have ever wondered what is covered by the homeowners policy you purchase, here are some of the answers.

It’s a package deal

Homeowners insurance typically comes as a package policy. That means you get coverage that extends from property damage to your buildings, to liability for injuries caused to others by policyholders.
The four main parts of your policy usually include these types of coverage:

Structure

This coverage protects your home, and possibly other unattached structures on your property. Should your home suffer damage caused by smoke, vehicles, lightening, or vandalism, your policy would cover the cost of repair. Keep in mind that there are some perils that may not be covered, such as flooding, earthquakes, and normal wear and tear.

Belongings

If a thief breaks in and takes your electronics and sports equipment, your homeowners policy would cover the cost of your loss. This also extends to fire, smoke, and other disasters listed in your policy. But if you have extra valuable items, such as your vintage electric guitar, or your grandfather’s antique coin collection, you will want to be sure to purchase an extra floater or personal property endorsement. It is always wise to have those special items appraised to find their actual value.

Liability

Should you, one of your immediate family members, or even your dog cause bodily injury to someone else, your policy would cover the medical bills incurred. Liability should also cover the cost of damage you or a family member causes to someone else’s property, up to the limit of your policy.

Home Away From Home Expenses

If you should become homeless for a time, thanks to one of the disasters mentioned above, this part of your policy would cover the cost of a motel during your home renovation.
This is just some of the basic information to know about your policy. To discuss any other details or options available, just give us a call !

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