Homeowners Insurance

Everyone is aware that homeowners insurance is a necessity.  Not only to keep the bank’s or lender’s policy satisfied, but also to cover damages if the home receives damage from a storm or even if it is completely destroyed.  Homeowners insurance protects more than just your home, it can also provide coverage and protection for the assets inside the home, people who are injured while on your property, and many other forms of coverage to protect you.  Here are some basic forms of homeowners insurance that Insurance Planning & Management is happy to discuss:

1. The Home’s Structure: Basic homeowners insurance will cover the home and even structures not connected to the home like a shed or mother-in-law-suite. Most policies don’t cover all disasters, so it’s important to know what is and isn’t covered.
2. Personal Items: You can cover personal items inside the home that are stolen or destroyed, including trees and other landscaping assets. Some policies will even cover items stolen or destroyed outside the home called “off-premises coverage.”
3. Liability: Liability covers you if you or someone inside the home sustains an injury, regardless of fault, while on the property including pets. Dog bites are actually one of the most common homeowners insurance claims.
4. Living Expense: If your home isn’t fit to live in after being damaged, living expense coverage will help with lodging expenses while you’re temporarily living somewhere else.

Call us at (618) 243-5297 to choose a policy that’s right for you.