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.

You work hard to protect your family, physically, and financially. However, do you know what your policy covers in terms of a liability claim? Our team at Smith Insurance Agency of West Virginia has put together a quick guide for you to review. Here’s how homeowner’s insurance coverage helps protect you against liability claims.

Protection Against Most Civil Liability Cases

First, it is essential to know that your policy has some protection against most civil liability cases. A civil liability case is where another person is suing you for damages that arise from your negligence or actions. This includes situations both in your home and outside your home and could cover a pretty wide variety of topics. Think things like contract disputes or defamation. If you find yourself facing a lawsuit and you have homeowner’s insurance, contact your agent.

Injuries to Others

One of the most commonly known aspects of homeowner’s insurance is that it pays for the medical bills of guests who are injured while visiting your home. For example, if your dog bites a visiting friend or the mailman trips over a cord on your porch and breaks their arm.

Property Damage to Someone Else’s House

Another coverage most people are surprised to see included in their homeowner’s policy coverage is damage to someone else’s house. As an example, your child accidentally throws a baseball through the neighbor’s window. The cost to repair the window would be paid for by your policy, subject to your deductible.

Learn more about how your homeowner’s insurance policy protects you from liability claims. Please get in touch with our Smith Insurance Agency of West Virginia team in Kingwood, WV today to schedule an appointment. We proudly serve the Morgantown and Kingwood, WV area.