Home Insurance Coverage Options

Purchasing a home is probably the biggest investment you can make in your life, and the last thing you want is for an unfortunate event such as fire, burglary, or vandalism to destroy your home. You need quality home insurance coverage with Henderson Insurance Agency to protect what you’ve worked so hard to acquire. The high cost of living can make it difficult to recover from certain losses, but home insurance can provide the financial support needed to restore your home back to its original, beautiful state. Understanding the following types of coverage options on your Harrisburg, PA home can help you determine exactly what’s protected by your policy.

Dwelling

Dwelling coverage protects your home’s structure, including built-in appliances, walls, roof, and wall-to-wall carpets. It typically pays to have your home repaired or rebuild if it’s damaged or destroyed by a covered loss.

Other structures

This coverage protects the physical structures on your property that are not attached to the house, like the shed, detached garage, fence, and barn.

Personal Property

Personal property coverage protects your belongings inside the home, which includes furniture, clothing, electronics, jewelry, and much more. This coverage replaces these contents in case they are lost, stolen, or damaged in a covered event.

Liability Protection

You or any of your family members can cause an accident in your home that injures someone or damages someone’s property. Liability coverage protects you against costly personal lawsuits.

Additional Living Expenses

Sometimes a covered event can make your home inhabitable, which would require you to get a temporary residence. This coverage caters for the additional living expenses while your home is being rebuilt or repaired.

At Henderson Insurance Agency, we understand that home insurance is not a one-size-fits-all solution. That’s why our knowledgeable agents will work with you to determine what coverage options suit your Harrisburg, PA home. For more information, contact us today!