Your home is your castle, and as a homeowner, you probably do everything in your power to protect it. From locking the doors at night to cleaning out the gutters to servicing the appliances, your space is kept well protected. What many homeowners severely undervalue is the importance of homeowners insurance. After all, what is a castle without a moat to protect it from danger?

Homeowners insurance may be required by your mortgage provider when you first purchase a property. Even if it’s not compulsory, it’s highly (no, extremely) recommended. Coverage works to protect your home, finances, and belongings from suffering damage and strain after an incident.

Take a look at what homeowners insurance covers:

Structure

If your home is damaged by a fire, windstorm, natural disaster, or theft, insurance will be able to help you rebuild and repair your home to its restored value.

Contents

Similarly, if your contents are damaged, destroyed, or stolen, your policy may be able to assist in paying for repairs and replacements.

Liability

Home insurance helps to fend off legal and liability issues when a guest takes action against you. It can provide legal defense as well as financial support.

Additional Living Expenses

Home insurance picks up the tab for your additional expenses incurred as a result of a covered loss. If your home is uninhabitable after a fire, for example, you may need to stay in a hotel, eat at restaurants, and drive further to work. Instead of facing these expenses alone, home insurance helps.

Safeguard everything that makes your house a home with reliable coverage.

Your home isn’t just bricks and mortar – it’s your home, and you’ve worked hard for it. Like most things we’re grafted for, it’s worth protecting. Dwelling fire insurance offers slimmed-down coverage that protects a building against fire, smoke, explosion, and even wind damage. It is ideal for owner-occupied, vacation, vacant, and rented homes.