Consumers who own a home in Atlanta, GA can rely on Rob Hill Insurance Group for insurance coverage. It’s important that your home insurance policy includes all the types of coverage you need to protect your investment in your property.
Here are four types of coverage that your home insurance policy should include:
Liability coverage
Homeowners sometimes underestimate the importance of liability coverage because they assume they’ll never face expenses from liability issues on their property. This can be a big mistake.
Purchasing adequate liability coverage is essential for protecting your assets when lawsuits result from property ownership.
Personal property coverage
It would be best if you also didn’t overlook the value of personal property in your home and the importance of getting it covered. Make sure that your home insurance policy fully insures the value of your personal property.
Outbuilding coverage
Some homeowners have outbuildings like detached garages and sheds on their property. You might need to add outbuilding coverage to your policy if you have outbuildings.
Home insurance policyholders can’t assume their policy covers their outbuildings without reading the fine print. A lot of home insurance providers only insure the home itself on a basic home insurance policy, so outbuilding coverage needs to be added.
Additional living expense coverage
If your home is damaged in an event such as a fire, you might be unable to live there until repairs are completed. In this case, you need to be able to rely on your home insurance to pay for additional living expenses.
Additional living expense coverage will pay the costs of getting alternative housing in a hotel after your property has been damaged.
Do you need a home insurance policy quote for your Atlanta, GA property? Call us today at Rob Hill Insurance Group for a policy quote.