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What does your home insurance cover?

If you are a relatively new homeowner, you will likely be learning all that you can about the home buying process. Understanding what your home insurance covers allows you to be well prepared for what lies ahead in the journey of home ownership. Meeting with a trusted local home insurance company will allow you to discuss your options so you can select the policy that best meets your needs.

A reputable home insurance company such as Harmon Insurance Group will be able to provide information about what is covered in your policy. They will review your coverage amount and the rate of your your premium to make sure you are getting the very best deal. Some of the things that will be covered by your policy include:

Protection from weather – Any number of weather conditions could arise and do damage to your property. When it comes to staying safe in harsh weather, your insurance policy can help if damage occurs. Some of the weather conditions that are covered include wind, hail, storms, fire, sleet, ice, and snow.

Theft & Vandalism – When the unfortunate happens, it is best to have home insurance in place to protect what matters most. A home insurance company can provide information about which non weather events are covered in your individual home insurance policy. In addition to theft and vandalism, other covered events would include damage from aircraft, vehicles, or riots.

It is important to be aware of the fact that flood damage isn’t covered in a standard homeowners insurance policy. Instead, it would be necessary to obtain an additional policy to add to the basic one in order to get the coverage that is needed. Make sure to choose the best home insurance company that will guide you through selecting the perfect home insurance policy for your home.

Harmon Insurance Agency is a home insurance company you can depend on to help you choose the best policy for you and your family.

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