Homeowners Insurance Protects Your #1 Asset
America's number one asset is family and the place that your family calls home. At Urbasek Insurance we want to make sure your home is protected and that insurance covers its full replacement value.
Homeowners insurance is designed to protect your home from all "perils", your exposure to risk or something that causes loss or destruction. As a home owner you need to purchase the right coverage that will cover most known perils that can cause damage.
Frequently Asked Questions.
- 1. What Is Dwelling Coverage?
Answer Dwelling coverage is the type of insurance that protects the physical structure of your residence, like the walls and the roof. Other structures coverage can help protect other structures on your property, like a shed or detached garage.
- 2. What Is Personal Property Coverage?
Answer Personal property coverage is the type of insurance that can help protect the items in your home, like your furniture. Your belongings are likely worth much more than you might think, and if they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
- 3. What Is Liability Coverage?
Answer Homeowners liability insurance can help protect you if you or your family member is found legally responsible for injuring someone else or damaging someone else's property. Typically, homeowners liability insurance can help protect you whether the injury or property damage happens on or away from your property.
If, for example, someone slips on the stairs in your home and is injured, liability insurance can help provide you with legal defense fees, and in the event of a settlement or judgment, can pay damages up to your coverage limit.
- 4. What Is Guest Medical Coverage?
Answer Guest medical coverage is included on most residential insurance policies and can help protect guests who are accidentally injured on or around your property. Accidents happen, and guest medical insurance can help you be prepared.
If someone is injured in your home, guest medical coverage can help pay for reasonable and necessary medical expenses. Often times, these types of expenses are the result of a medical emergency. Your policy may reimburse you for most common medical cost.
- 5. What's Different About Flood Insurance?
Answer Most property insurance policies don't cover flooding. The federal government runs the National Flood Insurance Program (NFIP), which issues flood insurance policies. Even if you have homeowners, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to be protected from flood damage.