Killeen Home Insurance - What Does It Cover?

by Administrator 15. April 2016 12:39

A home insurance policy provides coverage in the event of damage that occurs to your home or the belongings inside it. You also get coverage for all the legal expenses if you or any of your family members cause injury to a guest inside your home. Different kind of insurance policies offer varied levels of protection. Buy a home insurance policy depending on the type of coverage you require.

Below is a list of the coverage offered under a home insurance policy:

  • Protection for your home: Any unexpected incident can cause damage to your house and its belongings. A home insurance policy will provide you financial protection in such situations. Apart from your home, any attached structures such as garage or storage shed etc. are also covered under the homeowners insurance policy.
  • Protection for personal property: The insurance policy provides protection to the belongings inside the home. You will be eligible to claim coverage if your personal items are lost, damaged or stolen. Therefore, it is imperative to have a clear idea about the monetary value of your personal properties. Most of the home insurance policies have a dollar limit up to which they provide protection. So, you may need to raise this limit to get adequate protection for all your belongings.
  • Bodily injury liability: This type of coverage helps during instances where someone is accidentally injured inside your property. For example: a person can slip off the stairs or trip on a pile of boxes etc. Bodily injury liability can help you in paying all the medical bills and the attorney fees associated with any case that the other party may file against you.
  • Protection from natural calamities: It is noticeable that all the natural disasters are not covered under a home insurance policy. However, most of the policies provide protection in case of damage caused to the home due to fire, lightning, windstorms, hail etc. Generally, damages occurred due to earthquakes and floods are not covered under the policy. For this, you may require additional coverage to fully protect all your household items.
  • Additional living expenses: This type of coverage offers protection in case you have to temporarily move out of your home. The insurance policy will pay for your accommodation, restaurant bills and other living expenses till your home is restored.

Contact Shawn Camp Insurance Agency, Inc. to buy home insurance in Killeen, TX. Our agents will compare the coverage options offered by different carriers and help you choose a suitable insurance plan. For more information, call at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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