Are you a homeowner living in Wisconsin or Arizona? If so, let the professionals at OnQuote Insurance provide you with the insurance you need for the protection of your home.
Why Home Insurance?
A home is usually a consumer’s most valuable asset. Homeowners insurance is vital because it protects both the home and its contents. If the home becomes a total loss, the insurance then becomes the major source of the money needed to rebuild. It also offers liability protection for any legal action resulting from injuries to another person or damage to their property.
If you are carrying a mortgage on your home, lenders will require you to have this protection as it safeguards their interest in the property.
Homeowners insurance covers the structure of the home, attached structures, fixtures, and appliances that are built in. The contents of the home are also covered. Additional coverage to meet specific needs are also available. The most common of this coverage is unattached structures, such as storage sheds or garages, personal property, ALE or additional living expenses, medical expenses, and sewer backup.
Separate coverage for earthquake or flood protection may be acquired in areas prone to these disasters.
Here are some coverage types of homeowners insurance policies:
- Dwelling – covers damage to the home and attached structures
- Other structures – covers damage to structures not attached to the home, such as sheds or fences
- Personal property – covers the value of lost or damaged possessions, such as electronics, clothing, or furniture
- Loss of use – covers additional living expenses if the home becomes uninhabitable during repair
- Personal liability – covers financial losses from personal injuries or property damage if found legally liable
- Medical payments – covers medical bills for persons hurt by the homeowner’s pets or while on their property
- Sewer backup – covers water damage or losses to the home from drain or sewer backup
Reach Out To Us
OnQuote Insurance can provide a quote or answers to questions you may have regarding this important insurance coverage in Wisconsin and Arizona. Contact us today.