What Does Home Insurance Really Cover?

Home insurance is something that every homeowner can benefit from and knowing what it covers can make a huge difference in what policy you choose. The agents at Western Republic Insurance Services in the Huntington Beach, CA area can help you find out just what your policy covers.

What Does Basic Home Insurance Cover?

Though all home insurance policies are going to cover a different monetary value as rebuilding each home is going to come with a different price tag, all policies cover some basic things. For starters, all policies are going to cover damage from fire, wind, ice, snow, and often from things like trees falling on the home and more. These are deemed acts of nature and are unavoidable.

Most homeowner policies are going to cover theft and break ins as well as the overall cost of replacing the contents of the home should they be damaged, destroyed, or otherwise need to be replaced. Your policy is also going to cover the medical costs of your guests should they become injured while on your property. If you have an aggressive dog breed you may need more insurance or if you have a home business you might also need more coverage.

Overall your basic policy is going to cover things that could happen any day of the week under normal circumstances. You can also purchase supplemental or extra coverage to help cover things like hurricane, flood and even earthquake. Most supplemental policies are going to cover things that are not common and that are not likely to happen every day.

For those that want to learn more about home insurance and what a basic policy is going to cover, the helpful agents at Western Republic Insurance Services in the Huntington Beach, CA area can help answer your questions.