What coverage does my home insurance provide

June 29th, 2020 by

Owning a home in Albany, NY is the fulfillment of the American dream. Buying a home is the most significant investment most people will ever make, and protecting that investment is a top priority. Choosing the right home insurance can make all the difference when and if you ever need it. At DeNooyer Direct Insurance Services LLC, we make it our business to connect our clients with the best carrier to match their needs and their wallet.

Home insurance offers a lot of protection for your home, and it can’t be stressed enough that you need to read your insurance policy so you understand precisely what it covers and for how much and what is excluded.

Physical structure
The physical structure of your home is protected from covered hazards. This includes any attached structures such as a garage, a porch, or a deck. It also covers detached structures on your property, such as a garage, casita, or shed.

Personal property
Everyone’s home is filled with personal possessions. These possessions are covered up to the designated limits on your policy. Creating a home inventory will help to make sure you know what you have and what needs to be replaced.

Your home insurance helps to protect you against legal action, which may be taken against you. Getting sued is traumatic, but if you know that your home insurance covers you for your legal expenses as well as a judgment against you, it provides peace of mind.

Loss of use
If something happens to damage your home and you are not able to stay there, this coverage will help to pay for another place to wait until your home is ready to be occupied again.

Home insurance is designed to protect you, and your home from some of the hazards life can throw at you. At DeNooyer Direct Insurance Services LLC in Albany, NY, we want to match you up with the right home policy for your needs. Give us a call for a no-obligation quote.

Posted in Home Insurance