For most people their home is their most valuable asset. As such, they would never dream of not insuring it. In addition to protecting the dwelling itself the standard homeowners policy also protects other structures like a detached garage, personal property like furniture and clothing, as well as providing liability protection for property damage and injuries that occur on the premises or in some cases worldwide for events like dog-bites. When one considers the amount of coverage a homeowners policy provides it is truly a great bargain.
The homeowners policy can also be tailored to protect particular items or situations that are unique to the homeowner. Whether you need to insure a $15,000 engagement ring or secure liability coverage for a small powerboat the homeowner's policy may be the most convenient means of protection. If you would like to talk with an insurance professional regarding your homeowner insurance needs please CLICK HERE