Anyone who owns a home needs homeowner’s insurance because it protects against unexpected events that can damage or destroy property. It covers your house, personal belongings, and provides liability protection if someone gets hurt on your property.
A typical homeowners insurance policy covers:
Dwelling Coverage protects your home’s structure—walls, roof, and foundation—from damage caused by fire, wind, hail, and other covered risks.
Personal Property Coverage includes your belongings like clothing, appliances, electronics, and furniture. This coverage helps replace items if they get stolen or damaged.
Liability Protection safeguards you if someone is injured on your property or if you accidentally damage someone else’s property. It covers medical bills and legal expenses.
Additional Living Expenses (ALE) pays for temporary housing and other living costs if your home becomes unlivable during repairs.
Homeowner’s insurance lets you relax knowing you are shielded from costly damages and liabilities. Since your home is one of your most valuable assets, this coverage is a wise investment. If you need help choosing the right policy, OKC Insurance Brokers can guide you and find the best coverage for your needs.
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