Protect Your Home and Everything In It.  

Homeowners insurance plays a crucial role in safeguarding one’s most valuable assets and providing financial security in the face of unforeseen circumstances. It serves as a safety net, ensuring homeowners can rebuild, repair or replace their property and belongings. 

What Is Homeowners Insurance? 

Homeowners insurance helps provide financial protection to homeowners in the event of damage to their property or personal belongings. It is designed to help cover the costs of repairing or rebuilding a home damaged or destroyed by various perils such as fire, lightning, windstorms, hail, vandalism, theft and certain natural disasters. Additionally, homeowners insurance typically includes personal liability coverage, which protects the homeowner if someone is injured on their property and files a lawsuit.  

What Does Homeowner Insurance Cover? 

The following are some common areas that homeowners insurance policies typically cover: 

• Dwelling coverage may help cover the structure of your home itself, including the walls, roof, foundation and other built-in structures, in case of damage or destruction caused by covered perils.

• Other structures coverage extends coverage to other structures on your property that are not attached to your home, such as a detached garage, shed or fence.

• Personal property coverage may help provide coverage for your personal belongings, including furniture, appliances, clothing, electronics and other items, in case of damage, theft or loss.

• Liability coverage may help provide protection if someone is injured on your property or if you cause damage to someone else’s property. It may cover medical expenses, legal fees and potential lawsuits up to the policy’s limit.

• Additional living expenses may help with the costs of temporary accommodation, meals and other living expenses if your home becomes uninhabitable due to covered damage.

It’s important to note that coverage limits, deductibles and specific perils covered vary depending on the insurance policy and the insurance provider. Homeowners should carefully review their policy and discuss it with their insurance agent to understand the exact coverage provided. 

Does Homeowners Insurance Cover Fire Damage? 

Fire damage is one of the most common perils covered by homeowners insurance policies. If a fire occurs and damages or destroys your home, a homeowners insurance policy will typically provide coverage to repair or rebuild the structure up to the policy’s limits. This includes the walls, roof, floors and other parts of your home damaged by the fire. Homeowners insurance may also cover the cost of replacing or repairing personal belongings damaged or destroyed by the fire, such as furniture, clothing, appliances and electronics. However, it’s essential to review your specific policy to understand the exact coverage and any exclusions or limitations that may apply. It’s also advisable to keep an inventory of your belongings and their estimated value to facilitate the claims process in case of a fire or other covered loss. 

Does Homeowners Insurance Cover Swimming Pools? 

Homeowners insurance can provide coverage for swimming pools, but the extent of coverage may vary depending on the policy and the insurance provider. It’s advisable to contact your insurance agent or provider directly to discuss your specific swimming pool and the coverage available under your homeowners insurance policy. They can provide detailed information about the coverage and any additional options that may be available to ensure your swimming pool is adequately protected. 

Contact Trimble Insurance Agency today to discuss your homeowners insurance needs. 

Trimble Insurance Agency, Inc. provides Home Insurance for residents near Delaware, Columbus, Westerville, Lewis Center, Powell, and Dublin.