Homeowner’s insurance ensures protection against common liabilities such as wind damage, rain damage, water damage, riots, vandalism, theft, and fire etc.
It falls under the umbrella of property and casualty insurance, which is quite different from renter’s insurance etc.
The premiums for homeowner’s policies are based on a variety of factors, like the number of claims emerging from your area, your personal claim history, the value of your property, the deductible, special risks such as pools and trampolines installed on your property, personal credit history as well as the effectiveness of fire and theft alarm systems installed on your property.
Remember, a majority of banks and lending institutions will need proof of homeowner’s insurance before they give a mortgage loan.
All homeowners must get a coverage that can help them deal with any legal judgements for bodily injury or other damage if others are hurt.
Call us at 407-274-9674 or send an email at Cary@MySunnyInsurance.com to learn more about homeowner’s insurance.
Our rep will get in touch with you straight away to help you find the right coverage for your needs.