Have you been thinking about all the reasons you probably need homeowner’s insurance, but you just haven’t quite taken that step to get it yet? You may be worried that you can’t afford it, but the truth is that homeowners coverage is one of the most reasonably priced of all insurance products, especially when you consider what you are really getting. This article was written to explain a bit more about homeowner’s insurance in Nassau County NY so that you can make the decision whether it’s finally time to get this type of protection for you and your family.
What Does Homeowners Insurance Cover?
Generally, homeowners insurance covers multiple things. First, and perhaps most important, it covers your house or whatever structure you’re living in (you can also buy this insurance for properties like mobile homes.) This means that if your home is damaged or destroyed by most natural disasters, by theft, by vandalism, or by some other means that is not your fault, you will be covered and be able to get the money needed to repair or rebuild the home.
What Liability Does Homeowners Coverage Have?
As a homeowner, you can run into situations where you are blamed for things that happen while on your property. For example, a person who breaks their leg when they fall into a pothole in your driveway might file a lawsuit against you, alleging that you are responsible for their medical bills. If you are indeed responsible (if the pothole were the real cause of the accident in the example here) your insurance policy would provide liability coverage by paying for the medical costs and other legitimate damages of the person hurt on your property.
The other types of coverage that a homeowner’s insurance in Nassau County NY provides are really dependent upon you. There are plenty of different choices for extra coverage types (these are usually referred to as insurance riders) and you can make sure that everything within your home is completely covered by getting a few of these extra coverage types. Give your agent a good basic list of the items in your home and their value so that the agent can come up with the right policy for you!
For more information, contact Orrino Insurance Group Agency INC
