Homeowner insurance covers damage from incidents such as fire, theft, and vandalism to your house, adjacent structures like a garage or shed, and your personal belongings. It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property.
Do You Have An Adequate Amount Of Dwelling Coverage On Your Policy?
You are properly covered if your policy’s value is enough for you to rebuild your house if you had a total loss. Since the replacement cost of your house can vary over time because of inflation, the costs of labor and building materials, and renovations you may make to your home, you should review your coverage every few years. We can help you with this review.
We encourage you to take advantage of a free review of your policy and a calculation of the Replacement Value of your home, especially if you have had the same amount of coverage in your policy since its inception.
EMERGE INSURANCE AGENCY