Of course you do. In the event of a catastrophe, you will need to repair any damage that occurs to your home and property, and replace anything that is lost or destroyed. In addition, chances are your mortgage holder requires you to have a certain amount of home insurance to protect their investment.
How does a home insurance policy protect you?
Structures. Your homeowner’s policy covers the financial damages to your home caused by accidental or weather-related damage to both your home and other structures on your property, such as garages and outbuildings. Additionally, home insurance will provide you financial compensation if you cannot live in your home due to the damage.
Personal Property. All the belongings and furniture that fill your home counts as personal property, and if they are stolen or damaged your home insurance policy will replace them.
Liability. If someone is injured in your home, you can be found liable for the medical expenses. The liability portion of your homeowner’s insurance policy protects you from this financial liability.
Auto Insurance
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