Protect Your Home and Your Family
Protecting your patrimony is protecting your future.
Whether you’re buying a new home or you’ve already paid off the mortgage, you may have wondered about the value of home insurance. Your home is likely one of the most valuable assets you have. Homeowners insurance helps protect that investment in a variety of ways.
while a standard homeowners policy helps protect your house, it typically helps cover more than just the physical structure. MANY HOMEOWNERS POLICIES MAY COVER your personal belongings to the shed in your backyard, or even medical bills if a guest is injured on your property, a standard homeowners insurance policy may include the following coverages:
Dwelling Coverage
If your home and any attached structures, like a deck or garage, are damaged by a covered peril, dwelling coverage helps pay for repairs. The amount of dwelling coverage you need is usually calculated by the square footage of your house and what it would cost to rebuild your home. This is not necessarily the market value of your home.
Other Structure Coverage
The other structures coverage in your policy helps pay for repairs or replacement for detached structures on your property, like a fence or shed if they are damaged or destroyed by a covered peril.
Personal Property Coverage
Personal property coverage helps pay to replace certain belongings, such as furniture and electronics, that are stolen or damaged by a covered loss.
Personal Liability Coverage
If you or a family member are found legally responsible for accidentally damaging someone else’s property or injuring someone, liability coverage may help pay for related repair costs and legal fees, in addition to helping with medical bills.
Guest Medical Protection
If a visitor is accidentally injured at your home, your policy’s guest medical protection helps pay for their resulting medical bills.
Additional Living Expenses Coverage
If you cannot stay in your home after a fire or other covered claim, your homeowner’s insurance coverage may help pay for temporary living costs, such as hotel bills.
It’s important to keep in mind that coverages come with limits. When selecting your coverage limits, be sure to consider things like the potential cost of rebuilding your home or replacing your belongings. This allows you to be better prepared if your home or belongings are damaged or destroyed by a fire or other covered peril. It is important to be aware that many coverages have deductibles as well.
Having a homeowners insurance policy won’t prevent damage to your home or belongings, but it may help provide a financial safety net if the unexpected occurs. At FAMPRO, we can help you buy a homeowners insurance policy that fits your needs so you can be better prepared for an emergency.
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484 W Price Rd,
Brownsville, TX 78520