When you own a home, it’s essential that you have a home insurance policy for it. It’s usually required for homeowners to have this insurance. Virtually all mortgage lenders will require buyers to have it. If you have a homeowner’s association, they will also require it. Home insurance comes with different types of protection that each protect different aspects of what you own.

If you’re buying a home and need to get it insured, call us at North Coast Insurance Services in Lexington, MI.

Dwelling Coverage

When you have home insurance, it covers the actual house. This is one of the most important types of coverage it offers because home repairs can be so expensive. If a covered event should happen, like certain accidents or disasters, your home insurance will be there to pay for the repairs needed. Repairs can run into the tens of thousands of dollars or even more. Without this coverage, you are at high risk for financial devastation. Always have home insurance to protect yourself financially. 

Possessions Coverage

Your home is valuable, but the things inside it are as well. Another important type of coverage offered in a home policy is coverage for all of your belongings that are on your property. You’ve invested a lot into your things, and it could be extremely expensive to replace everything. Home insurance protects you against a wide range of damaging events that could ruin or destroy your belongings. Few people could afford to replace everything themselves. They need home insurance because this coverage can protect them from that scenario. Think about the value of everything in your home It adds up to quite a lot. 

Get Your Home Insurance Policy

When you need home insurance, we’re here to help. Give us a call today at North Coast Insurance Services in Lexington, MI to get started.