Your home insurance coverage in Aspen Hill, MD is multi-faceted so that you and your family are fully protected in your home. Most policies will include the types of coverage detailed below, but you do have the option of customizing a policy that will fit your own unique needs. While the levels of these coverage types will vary according to policy, you can usually expect to be covered in the following ways:
- Home Damages: This coverage protects the home structure against damage or destruction. If your home is completely destroyed, the policy maximum is what you will typically receive to rebuild.
- Damage to Other Structures: This coverage applies to other buildings that are on your property. For example, greenhouses or tool sheds. As with the home damage protection, these structures will be covered in case of damage or destruction.
- Personal Possessions: This coverage applies to your personal property, as long as it’s on site. This would include damage to (or the total loss of) virtually any item within the home or on your home property.
- Liability: The coverage applies in cases where claims are made against you as the homeowner. If someone is hurt on the property and you are deemed liable for the injury due to negligence as the homeowner, those injuries will be compensated from this policy.
Some homeowner’s insurance policies may have other types of coverage, as well. If you feel that your current coverage isn’t sufficient, the smartest move you can make is to adjust it ASAP for your own protection.
Don’t get caught without the level of homeowners insurance coverage you need. Instead, easily compare quotes online with Wellspring Insurance Network Inc, to find out what options you have available to ensure your home and your family stay safe and secure.