If you are like most people in Bay City, Midland, Oscoda, Saginaw, Tawas City, and the surrounding areas, your home is likely your largest investment. It is important to protect this investment with the right home insurance, and our team at Safeguard Insurance Agency can help you to determine how much coverage you need. Because we are an independent insurance agency we work on behalf of our clients and not the insurance companies. Contact us today to learn more and have a review of your current home insurance.
What Things Are Covered with Home Insurance
As the name of the insurance indicates, your home is covered when you have home insurance. But what does that really mean? For starters it is referring to the dwelling itself and the components that make up the structure. The roof, doors, windows, walls, and other items that physically make the house are covered with home insurance. But other things are also covered.
There are other structures that one would also consider your home, such as the fence around your property, a detached garage where you put your vehicles, the shed in your backyard, the sidewalks in front of your home, and even your driveway. All of these are covered to a degree with your home insurance, and when you talk with one of our agents we can help to determine if you need a bit more coverage for the cost of these other structures.
Don’t forget all of your personal belongings that are in the home as well as the outbuildings. Your clothes, television, computer, shoes, pots, pans, and more are also covered with your home insurance. Your policy might even include a loss of use clause to help pay for temporary residence if your home is not able to be lived in.
Liability is Also Included with Home Insurance
You may have someone who is at your home end up injuring themselves. If this happens your home insurance also provides you with liability protection in case you have a lawsuit brought against you. With all of these different aspects to your home insurance you can see why it is important to insure your Bay City, Midland, Oscoda, Saginaw, Tawas City, or surrounding area home. Work with an independent insurance agency like Safeguard Insurance Agency to get the right home insurance at the right price.