Home insurance: Which coverages should I focus on?

A home insurance policy is a valuable investment for any homeowner in Marshall, MI. It covers a wide range of perils that could easily leave you broke. While there is no way of determining which accidents can happen in your home, it is prudent to focus on the coverages that matter to you most. How? Great Michigan Insurance can help you understand your policy and catch missing opportunities. So, which coverages should you focus on?

The dwelling

This coverage typically covers the floor, roof, and walls from damage. Some of the perils covered include windstorms, smoke, and fire damage. The dwelling coverage does not just protect the structure but also covers the plumbing, wiring, and heating & cooling systems. If you have a big compound with a detached garage, shed, and other structures, you may want to consider buying the other structures coverage to protect those structures.

Personal property

One of the reasons why many of us purchase home insurance is to protect its contents. Personal property includes Appliances, clothing, furniture, and electronics. It also covers personal items like clothes and shoes. If you have priceless items or items of high value like artwork and jewelry, you may want to get them a separate coverage that will adequately cover them.

Liability

Getting sued nowadays is a new norm. You can be sued for just about anything in this society, and your home is no exception. A visitor can sue you for a slip and fall; a neighbor can sue you for a dog bite their son got from your pet, you can even be sued if your son’s or daughter’s friend drives while intoxicated after a party in your home.

Home insurance saves you money that you would have otherwise spent to fix damages or losses. For all your insurance needs in Marshall, MI, contact Great Michigan Insurance today!