Homeowner and Property Coverage
Buying a home is a huge investment, one that needs to be protected at all costs. That means protecting your home inside and out with homeowners insurance. Jeff Kincaid Insurance in Hickory NC offers a vast selection of homeowners policies from numerous insurance carriers that could meet your exact needs.
Protection is essential as there are many different things that could go wrong inside a home. The outside could be damaged by weather, the inside could be robbed or vandalized, and there is always the chance someone could injure themselves somewhere on your premises. Homeowners insurance protects the homeowner in the following areas:
Structural Damage Coverage
You have the option of listing any kind of natural disaster on your policy. That includes protection from damage due to hurricanes, hail, lightning, floods or earthquakes. This option also protects your home from normal wear and tear due to age and weather. This type of insurance will cover the cost of repair should your home sustain any damage.
All of the contents inside your home are valuable in numerous ways should any of those possessions be stolen or destroyed. The policy could also be made to include fire or natural disasters that affect the contents inside of your home. There is the option to add items considered to be valuable to the homeowner.
In the event that someone should slip and fall inside your home, you could wind up being liable to pay for their injuries, medical bills, etc. To protect homeowners from that unpleasant situation, liability protection provides a sense of security. There are also monetary limits you could set on your policy. That limit is the amount up to which you will be protected should you ever wind up in court for a premises liability case.
Expenses of living
If there is some reason that your home is damaged to the point where you have to temporarily reside elsewhere, living expenses can be paid by your homeowners insurance policy. Should a fire, flood or storm force you out of your home, there will still be money for you to live and function despite the inconvenience you have endured.
There are plenty of options to choose from when selecting a homeowners insurance policy that is right for you; which could also cover any electrical or plumbing damage that affects your home. Problems in those areas could make daily living a great inconvenience, but there is solace in the fact that homeowners insurance can truly protect the homeowner.
Let Jeff Kincaid Take The Stress Out Of Your Home
Jeff Kincaid will sit down with you and go over every detail of your homeowners insurance policy. We will lay out all the possibilities and refer you to the top carriers who offer the best rates. Protecting your home starts with a home owners policy that is individually designed just for you.