Disaster can strike at any time, so it’s important to protect your home which is most likely your biggest asset. Homeowners insurance protects you financially should there be a disastrous event such as a fire. Most policies also cover the homeowner’s personal possessions such as clothing and furniture. The policy will also cover storage buildings, fences and other small structures on the property. Additionally, a homeowner’s insurance policy provides personal liability protection. This coverage protects the owner should someone injure themselves on the property and decide to sue. Many policies will also pay for their medical expenses related to the injury. Also, if the home is destroyed or significantly damaged, your policy can provide funds to cover the additional expenses that you will incur from hotels, meals, etc. This helps support you and your family until you can return to your home. Adequate homeowner’s insurance can help you recover from an unexpected event quickly.
There are things that homeowner’s insurance does not cover though. Owners in Woodstock, GA need to assess their risks and talk with their insurance agent to determine whether coverage is appropriate for their needs. Agents at Peter Laczko Insurance Inc. can discuss your options. Often homeowners with firearms, antiques or other valuable items will opt for supplemental policies to ensure that these items can be repaired or replaced if they are damaged or destroyed. If the home is in a flood zone, flood insurance will be needed. This will provide funds is the home suffers water damage. In areas affected by earthquakes, an additional policy can provide supplemental protection for you and your family.
The team at Peter Laczko Insurance, Inc. can review your situation and answer any questions you have.
