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Owning a home is such a huge investment that you need to safeguard by taking adequate home insurance coverage. There are several risks such as fire, theft, water damages, and vandalism that could damage or destroy your home, and due to the skyrocketing living standards, you may never recover from such losses out of pocket. A standard home insurance protects your home and personal belongings from risks such as fire, theft, vandalism, and much more. It also covers any liability claims that you may face. Associated Insurance Group of Indiana provides custom tailored home insurance policies to fit the needs of every homeowner in Indiana.
Unlike auto insurance, home insurance is not a mandatory state requirement in Indiana. Even so, you still need to protect your home from unforeseen circumstances. In addition, most lenders will need proof of it before financing your home. Some of the coverage options you can consider include:
Dwelling: Covers the cost of repairs/replacement to the physical structure of your home, including the walls, floors, roof, and ceilings in case a covered loss damages/destroys it.
Personal belongings: Protects your personal belongings like furniture, appliances, and clothes from a covered loss. Consider additional coverage for expensive items like jewelry, fine art, and business equipment.
Liability: Should you be held responsible for causing bodily injury or property damage to someone else while in your house, then this coverage will cater for legal expenses and compensation costs.
Loss of use: At times, a covered loss might render your home inhabitable. This caters for any additional living expenses you may incur while repairs are done in your home.
There are a few exceptions to this policy, which includes floods, earthquakes, and the normal wear & tear. For affordable and dependable home insurance coverage in Indiana, consider Associated Insurance Group of Indiana. Our local agents will help you understand how home insurance works and what coverage options suits you most. Contact us today for further information.