Homeowners Insurance

Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

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Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

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Questions to ask your agent

Here are few things to discuss with your agent that will influence your decisions.

What does homeowners insurance typically cover?

It usually covers your home’s structure, personal belongings, liability protection, and additional living expenses if you’re temporarily displaced.

Is flood damage covered under my homeowners insurance?

No, standard homeowners insurance does not cover flood damage. You need a separate flood insurance policy.

How much homeowners insurance do I need?

Your coverage should be enough to rebuild your home and replace belongings in case of a total loss.

Does homeowners insurance cover roof leaks?

It depends on the cause. If the damage is due to sudden events like storms, it’s usually covered. Wear and tear or neglect may not be covered.

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Wekerle Agency, Inc.
98 Medford Ave.

Patchogue, NY 11772

Hours of Operation - 9:00am-5:00pm