Your home is a significant financial investment. Protecting it with the right insurance is a safeguard should anything happen. If there is a fire or severe weather, your policy helps you to recover more quickly. It provides more benefits than that, though. At Smith Insurance Agency of West Virginia, our team works with homeowners throughout the Kingwood, WV area to protect their homes.
Your homeowner’s insurance provides an array of benefits to protect your greatest asset, your home. The policy covers all of your possessions inside of the house, including artwork, furniture, and electronics. It even protects items that are damaged or stolen while away from home. For example, if your laptop is stolen while you are at the library or café, it is still covered. The liability coverage protects you if someone is injured on your property due to your negligence. For instance, if someone trips and is injured, the policy will cover their medical expenses. If they sue, it will also take care of their legal costs.
Your home insurance policy protects more than your house. It also covers all structures on your property. This includes outbuildings, fences, and gazebos. While this is a high level of protection for homeowners, there is one thing that a home policy will not cover. Home policies never cover water damage from a flood event. It will, however, cover water damage from a faulty water heater or broken pipe. If your home is located in an area at moderate or high risk for flooding, it’s important to talk with your agent about adding flood insurance to your policy. Even in areas with a lower risk for flooding, some homeowners opt for additional coverage. This is because 20% of flood claims come from low-risk areas.
Our agents at Smith Insurance Agency of West Virginia can help you understand your home insurance options. In the Kingwood, WV area, we are known for our quality service. Contact our office for information and have your questions answered! Our knowledgeable agents are ready to help you protect your investment in your home.