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  • Writer's pictureMegan Fielder

4 Reasons Why Every Homeowner Needs Home Insurance


home insurance

Owning a home is an adventure and one you should take seriously. Unfortunately, too many don't pay for homeowners insurance and end up suffering. Even if you just bought a home, you should make sure it's properly covered with a policy that meets your needs. Here are several reasons why all homeowners like you should have home insurance for their houses.


1. Protects You in Case of Emergencies

According to Value Penguin, 85% of all American homeowners have homeowners insurance. Most state that dwelling protection is the major reason for this investment. It protects not only your home but also your garage, decks, outbuildings, sheds, and even detached garages. When these structures get damaged, you'll need a great insurance policy to help repair or replace them ASAP. Home insurance also pays for living expenses when you can't live at your house. For example, some policies will cover temporary relocation when your home gets destroyed or is too damaged to live in temporarily.


2. Keeps Your Property Safe

What's the chance that something happens to your home's structure and not the goods inside? Minimal, which is why homeowners insurance remains so important. It should cover most items in your home, including furniture, fixtures, and most possessions. A good insurance agent will help you understand your options and ensure that you get the coverage that makes the most sense for you.


3. Recovers Stolen Items

When someone breaks into your home and steals some of your belongings, what do you think your insurance will do? The best coverage replaces or repairs these items for you. For example, your home insurance policy should repair damaged windows and pay to replace your computer, refrigerator, and other important items. Your policy will list which items it does and does not cover in theft situations.


4. Covers Your Liability

Did you know that your homeowners' insurance policy will protect you in liability cases? For example, if your friend slips and falls on your property, your insurance will pay for their medical expenses. Without this protection, you might get sued by your friend and forced to pay out of your pocket. That makes home insurance critical for your financial protection.


If you want to get started with a policy, call us today to learn more about our coverage. At Guardian Agency, we'll make sure that you get the insurance that makes the most sense for your needs to keep you and your family safe.


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