Protect Your Home With Affordable Homeowners Insurance

Homeowners insurance or Home insurance is an important policy that offers peace of mind to private residence owners. This insurance policy pays for losses and damages to the extent of the contract, giving homeowners financial freedom when disasters or accidents occur. Homeowners’ insurance can also cover damages to personal belongings like furnishings and other assets. Knowing the right home insurance policy to choose can save you from future financial hardships. Our team at Miller Hanover Insurance is here to help you through the process.

A home insurance policy is a common requirement by mortgage lenders. Our insurance professionals will guide you through the available coverage options, consider your financial standing, and recommend the perfect options for your protection. Contact us when you need affordable insurance options that offer great coverage at an affordable rate. Our offices are open to accommodate you, and our insurance professionals are happy to help!

What Your Home Insurance Policy Can Cover

Home insurance offers many different coverage options, depending on your specific needs. Our insurance professionals at Miller Hanover Insurance are happy to go through the standard policy cover to aid your decision and guide you on factors that can invalidate your home insurance. Some of the common items covered by homeowners’ insurance include:

Property Damage

Most home insurance policies offer coverage for any damages to your house and any permanent structures on your property. The coverage may include damages caused by elements like:

• Hail
• Fire
• Wind
• Water damage

Personal Property

Home insurance policies offer protection for the policyholders’ damaged or stolen items from the property. Items covered under personal property coverage may include:

• Furniture
• Dishes
• Clothing
• Appliances

Our insurance professional is happy to discuss the extent of personal property covered under your insurance policy as well as how much coverage fits your situation. Our approach to insurance is both flexible and financially progressive.

Jewelry

We realize how valuable your jewelry is. Home insurance offers limited coverage for jewelry stolen from your home. Discuss the amount of coverage offered with our insurance professionals via phone or visit us. Coverage is available for items in your jewelry collections like:

• Wedding bands
• Engagement rings
• Diamond bracelets

Other Risks Your Homeowners Insurance Policy May Cover

In addition to the standard coverage, your homeowners’ insurance policy may also provide protection for:

Personal Liability

Home insurance may help with property damage or medical expenses of third parties. This coverage only stands when the homeowner or a member of the household is deemed at fault. As such, accidents and injuries caused by pet attacks, assault, etc. may be covered.
Home insurance may also help with legal expenses in the case of a lawsuit.

Medical Bills

Your home insurance can cover medical payments for minor injuries sustained on the insured property. This privilege extends to visitors and guests who don’t live on the property but got injured.

For example, a handyman injured on the property may have part or all medical bills paid for by the homeowner’s insurance.

Additional Expenses

Homeowners’ insurance may also provide coverage for other costs associated with covered losses.

Get Your Home Insurance Quote Now

Start saving money and enjoy peace of mind by choosing the right homeowners’ insurance policy now. Our insurance professionals are happy to help and walk you through the process. Call us to discuss your needs on the phone or visit our office.

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FAQS

Why Do I Need Home Insurance?

Home insurance is a requirement for many reasons, including financial protection from the high costs of disasters. It also offers peace of mind, knowing that certain covered damages do not demand out-of-pocket costs that could put a strain on your finances.

Do Homeowners Insurance Cover Plumbing?

Yes. Homeowners’ insurance generally covers sudden or accidental plumbing damage. Some of these common problems covered include frozen pipes, burst pipes, etc. However, plumbing problems whose signs have been ignored over time may not be covered. It is best to discuss what is covered and what isn’t with your insurance expert.

How Much Homeowners’ Insurance Coverage Do I Need?

Although most homeowners insurance provides at least $100,000 worth of liability insurance, policyholders can increase it to as high as $500,000 or more. Therefore, it is best to discuss your specific needs with your insurance provider.

Does Homeowners Insurance Cover Water Damage?

Most home insurance policies cover accidental water damages caused by burst pipes and other select plumbing emergencies. Ask your insurer or go through your policy for a clearer understanding.