Your home and belongings can be protected with reliable homeowners insurance.

Homeowners insurance is something that most people don’t even want to think about until they need it the most. But, understanding what is and isn’t covered by your homeowners insurance policy can mean the difference in being able to rebuild your home and replace your belongings.

A standard homeowners insurance policy should include these four types of coverage:

  • Coverage for the structure of the home: This part of a policy pays to repair or rebuild a home if it’s damaged or destroyed by fire, hurricane, hail, lightning, or other listed peril in the policy. It won’t pay for damage caused by a flood, earthquake – but these two policies can be purchased separately.

  • Coverage for personal belongings: Everything from furniture to clothes to sports equipment and other personal items are covered if they’re stolen or destroyed by a disaster. Trees, plants, and shrubs are also covered under standard homeowners insurance should they face fire, lightning, explosion, vandalism, and even falling aircraft. Personal items of high value are often excluded from this coverage (such as jewelry, furs, silverware), and will need a rider to protect their entire worth.

  • Liability protection: Liability covers against lawsuits for bodily injury or property damage that policyholders or family members cause to other people. It can pay for the cost of defending the policyholder in court, up to the policy limit. An umbrella insurance policy provides broader coverage, including claims for libel and slander, as well as higher liability limits.

  • Additional living expenses: This pays the additional costs of living away from home while it is being repaired due to a fire, storm, or listed disaster. This coverage can foot the bill of hotel rooms, restaurant meals, and other living expenses associated while the home is uninhabitable.

Are you ready to receive quality homeowners insurance that protects your house and belongings? Contact Bell Black Insurance to protect your home year-round in Oakley, Idaho Falls, Island Park, Driggs, Victor, Swan Valley, Ashton, Jackson, and Star Valley in Idaho!