Home Insurance
Do you own a home in New Jersey or Pennsylvania? Have you considered home insurance? If not, please get in touch with Tadas Insurance Group. Home insurance is a worthwhile investment that comes to your rescue when disaster strikes your home. And that’s not all. Your home insurance protects your personal stuff and covers you and your loved ones against liability claims.
Home insurance coverage options
If you are shopping for home insurance, it would be good if you familiarize yourself with different coverage options. The most common home insurance coverage options include:
- Dwelling coverage: This insurance policy covers your building’s structure against threats like lightning, fire, falling objects, etc. However, you need to understand your home insurance exclusions to avoid heartache during the claim process. Typical home insurance doesn’t cover damage by floods, earthquakes, intentional damage, and sewer backups.
- Contents coverage: Home insurance covers your electronics, furniture, and other assets against damage or loss from perils listed in your policy document. Conduct a room from room inventory count to ensure everything under your possession is covered. While home insurance covers high-value items like jewelry, the protection is limited, but you can buy an “add-on” for optimized protection.
- Liability coverage: Has a tree in your garden fallen over your neighbor’s house? Has your dog bitten a passerbyer? While the incidents are unintentional, you are responsible for the repair costs and medical expenses for the damage and injuries caused to others. Luckily, you don’t have to go into your pocket to cover these costs. Home insurance has got you covered.
- Loss of use: When a peril listed in your home insurance policy damages your house, making it unlivable, you don’t have to pay for additional living expenses from your pocket. Home insurance covers these costs until your home becomes livable.
Are you looking for home insurance? Please consider Tadas Insurance Group for all your home insurance solutions. We serve numerous locations in New Jersey and Pennsylvania. We will analyze your current insurance needs and recommend a home insurance policy to address your unique needs.
