Owning a home is an investment. Home insurance helps protect what you value most.
Home insurance grants safety, security, and peace of mind. But, there are also very real, tangible benefits.
M&K Dignum Insurance Agency Inc. can help. Serving Albany, NY, their professional agents share four ways home insurance policies provide the necessary protection.
Protects property
Unsurprisingly, home insurance protects your primary dwelling. In fact, this is the biggest benefit of home insurance. If damage does occur, these policies can reimburse for any needed replacements or repairs. This protection extends to other areas of your property too. Detached garages, sheds, fences, and decks could all be covered.
Covers possessions
The contents inside the home are protected too. Personal property coverage may pay for any belongings that are damaged, destroyed, or stolen. Policy limits vary greatly, so it’s important to take an inventory of your possessions when finding the right coverage. Appliances, furniture, electronics, and other valuables are likely covered.
Provides liability protection
Nearly any insurance plan will include liability. If you are determined to be legally responsible for an accident on your property, liability protection kicks in. While your repair costs are already covered, these plans may also reimburse legal fees and medical bills that were incurred as a result of this incident.
Offers loss of use protection
Unexpected disasters are unavoidable. If a storm or other catastrophe forces you to temporarily relocate, your policy may pay for additional living expenses. This includes food, lodging, and any increased travel costs.
Contact M&K Dignum Insurance Agency Inc.
Serving Albany, NY, the agency can set up a personalized home insurance policy that keeps you and your family protected. Access to all the benefits of home insurance is only a phone call away. Schedule an appointment today.
