Homeowner insurance covers damage to your home, personal belongings, and other assets in your home. It also offers protection against liability, and some policies may cover living expenses while your home is repaired or rebuilt.
As a homeowner, a home insurance policy is vital. Without homeowners insurance, a devastating flood, fire, or wind storm could spell absolute disaster for your home, family, and finances.
We can discuss all the nuances of homeowners insurance with you and help you make an informed decision. Call Otto Insurance Group and speak with a team member to get a free quote. Or keep reading to learn about why you should buy homeowners insurance.
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There are no laws that require homeowners to have home insurance. However, home insurance enables you the peace of mind that you're covered whenever disaster strikes. Here are a few ways in which a policy provides invaluable coverage:
The primary reason for getting homeowners insurance is to help repair or rebuild your home in the event of exterior or interior damage.
Your home isn't the only thing in need of protection. Your treasured belongings inside are also covered if damaged or destroyed following a disaster.
In the event that a disaster or accident forces you to relocate, homeowners insurance may also cover living expenses for hotels or other temporary lodgings while your home is fixed or rebuilt.
A home insurance policy also covers medical bills and lost wages for guests that suffer from an injury while on your property.