If you own a home, it’s no doubt your biggest asset. What would happen if it were damaged in a fire or storm and needed serious repairs? Where would you go if you couldn’t live there for a long while?

Luckily, a homeowner insurance policy can protect you in these circumstances by covering the expense of repairs or rebuilding. In many cases, this type of policy can help cover the expense of living elsewhere if your dwelling is uninhabitable, often for up to two years.

The right homeowner policy can cover your property in the event of smoke damage or a burst pipe that’s not due to a lack of maintenance. It covers damage to your roof from hail or falling objects.

A homeowner policy also protects your personal belongings and home furnishings in the event of an unplanned disaster. You can even purchase a homeowner policy as a renter to cover your belongings, such as furnishings, electronics, clothing, and sports gear.

Your homeowner policy isn’t just about the building or its contents either. It can protect you if someone were to get hurt on your property. For extra coverage, you can easily add an umbrella liability policy, which is ideal for dog owners, for example.

For a reasonable cost, you can also add special coverage for valuables not usually protected with a regular homeowner policy, such as jewelry, art, antiques, and collectibles.

We suggest taking a video inventory of your property and belongings. This will help you if you ever need to make a claim, and it will assist us in getting you the proper amount of homeowner coverage.

For more information about homeowner insurance in the Abilene, Kansas area, reach out to Smart Insurance at 800-249-1920, or contact us online.

We are educators at heart, so we’ll answer all your insurance questions and help you find the policy you need. Don’t wait until an emergency happens to realize you could have protected your home. Get in touch today.

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