For years, the American Dream has involved purchasing a house and having your own place to call home. But what about all those things that can happen to your home? As a homeowner, there are many new issues to consider that may not have been relevant when you were renting. Issues such as what to do if there is a fire, or a bad storm that damages the property. Or what you’ll do if someone comes to visit you and is injured while on your property. Fortunately, there is an insurance product uniquely positioned to help you.
What is Homeowners Insurance?
An insurance policy designed to protect you in the event of a catastrophic event that occurs on your property. Sometimes this is an event that damages the house itself—such as a fire, flood, or hailstorm. Other times, this event can be something that takes place on the property, but causes harm to someone else—such as if a visiting guest falls and is injured due to your negligence. Whatever the source of the injury or damage, the policy that protects you is known as your homeowners insurance policy.
How Does Homeowners Insurance Work?
Homeowners insurance can come into play in a number of ways. The most obvious way has to do with damage to your home. Living in Brevard County has its risks, including the risk of a tropical storm or even a hurricane. If your home is damaged in a catastrophic event, your homeowners insurance policy will work to help repair the damage or—if it is severe enough—replace the home entirely. Of course, there are other ways that your home can be damaged. If you have a fire, or if someone does something to damage the property, you could find yourself with a hefty repair bill on your hands. In such an event, your homeowners insurance policy will protect you. Other ways that this insurance helps protect you include covering your liability for events that occur on the property. This could be something as simple as paying for the medical bills if someone is injured on your property because you were negligent. For example, if you have a broken stair and you do not fix it and someone is hurt as a result, you could be responsible for that. Or, if someone is walking on your sidewalk and is injured by a falling tree branch from a tree on your property, you could be on the hook for their medical bills. In situations like this it pays to have a good insurance policy. Other sources of liability include attractive hazards in your yard such as a swimming pool or fish pond, a pet that could attack someone, and more. In all of these situations you could find yourself being forced to pay for someone’s medical bills. As such, whether you are trying to protect your Brevard County home, or trying to protect yourself from liability for events that occur on the property, having a strong homeowners insurance policy is a must.
Why Would You Need Homeowners Insurance?
You need homeowners insurance because, quite frankly, life can be very expensive. Regardless of the exact scenario, homeowners across the country know all too well that there are many ways things can go wrong. What’s more, these events can be prohibitively expensive to address if you don’t have insurance. We know our clients, and we care about them as people, too. We combine efficiency with empathy, which is why so many of our clients also consider us as their friends. Come see us today, and let’s get started.
Let Highmark Insurance Help You with Your Homeowners Insurance Needs.
At Highmark Insurance, we have extensive experience in assessing the needs of our clients and recommending the appropriate insurance tools to suit those needs. But we also know our clients, and we care about them as people, too. We combine efficiency with empathy, which is why so many of our clients also consider us as their friends.
Come see us today, and let’s get started.