Homeowners insurance is not intended to be suitable for everyone. Despite the fact that a typical policy comes with certain coverage, it’s usually tailored to meet the distinctive needs of an individual property holder.

Understanding what is covered and what is not covered before settling down on an option will help you make the right choices. Below are four main areas that a basic homeowners insurance policy will cover.

1. Dwelling and structures protection.

This covers the structure of your home in which you live in, other structures attached to it as well as separate structures on your property.

2. Personal property protection.

This cover protects your personal belongings that are within your home. It will help replace or repair your personal property in case of any damages which are covered by a specific risk. For personal property protection, you may be required to purchase optional coverage which will help protect your expensive and valuable items since they are considered above your basic personal coverage limits.

3. Liability protection.

This is coverage provide when someone who is not living with you gets injured while on your property. It also helps pay for any resulting legal expenses or medical bills in case you are found responsible.

4. The loss of use or temporary living expenses.

If your home is damaged from a covered loss and it becomes inhabitable, this cover will cater for all the bills and expenses incurred in your temporary home before your house is repaired and fit to live in.

At Spartanburg, SC’s Allsurance Group, our homeowner’s coverage, and flexibility to tailor make a policy which best suits your needs is our main focus. We understand that giving our client satisfactory customer service will make our clients happy, and that’s what makes us a good choice. Call us or visit us today for a remarkable experience.