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Eight Reasons to Buy Homeowners Insurance

Eight Reasons to Buy Homeowners Insurance

Eight Reasons to Buy Homeowners Insurance


Are you planning on purchasing a new home? Do you already have a new home but have not invested in homeowner's insurance? Homeowner's insurance is one aspect of insurance that is sadly often overlooked. Here are eight reasons why you should consider purchasing homeowner's insurance.

1. Loan

Houses can be quite expensive and hard to purchase outright. Therefore, if you are receiving a loan on your house, the lender will require that you purchase homeowner's insurance before giving you the loan.Eight Reasons to Buy Homeowners Insurance


2. Falling objects

You will be covered by your homeowner's insurance by falling objects, such as trees or other objects should they fall and damage your home.

3. Fire Damage

The small fire that eventually turned into a blaze which burned down your house is already enough to think about. The last thing you would want to happen is lose everything in your home and not receive any sort of compensation because you did not purchase house insurance. Unless you purposely burned down your home, your homeowner's insurance will cover you whether or not the fire was your fault.

4. Storm and Wind Damage

Home insurance not only covers fire damage, but also storm and wind damage to your home. If you are living in an area that experiences a lot of varied tropical weather, this can be especially important.

5. Water Damage

Any pipes that burst that cause any water damage to your home are covered under your homeowner's policy. Although water damage from burst pipes are covered, most floods are not covered by house insurance, and would need to be covered separately by flood insurance.

6. Vandalism

Should a thief break some windows and doors in your home, you can still be covered by your home insurance policy. All you need to do is submit a claim. Also, your car is covered in case of vandalism, even if the car is parked somewhere else.

7. Liability

If someone is injured on your property, your homeowners insurance policy will cover this as well, relieving you of any responsibility.

8. Living expenses

Homeowner's insurance will cover your living expenses if your house becomes uninhabitable due to any covered incident, including fire, wind, and storm damage. This is especially important for when you may need to stay in a hotel for an extended period of time.

As mentioned above, homeowner's insurance is something that is often overlooked yet important to have. It is advised that you compare multiple homeowner's insurance quotes and policies from different insurance companies to pick the best insurance quote that fits your needs.
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Eight Reasons to Buy Homeowners Insurance