Home Insurance
Wildfires, hurricanes, floods, and earthquakes — natural disasters can strike without warning, leaving behind devastating damage. For homeowners, the aftermath raises a critical question: Does my home insurance actually cover this?
Most mortgage lenders require home insurance as a condition for loan approval, but even if you own your home outright, having a policy is highly recommended to avoid catastrophic financial loss.
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_ What Does a Standard Home Insurance Policy Cover?
A typical home insurance policy consists of several key components:
1. Dwelling Coverage
This covers the physical structure of your home — including walls, roof, floors, builtin appliances, and attached structures like garages or decks — if they’re damaged by covered perils such as fire, lightning, windstorms, or hail.
2. Other Structures
Covers detached structures on your property such as fences, sheds, or guesthouses, usually up to 10% of the dwelling coverage.
Home insurance (also known as homeowners insurance) is a financial safety net that protects your home and personal property against loss or damage due to unforeseen events — such as fires, theft, vandalism, and certain natural disasters. It also provides liability coverage, meaning it protects you if someone is injured on your property or if you accidentally cause damage to someone else's property. alephinsurance.com
House Insurance
No one ever expects to deal with a house fire, a break-in, or a tree crashing through the roof — but when disaster strikes, filing a House insurance claim can make all the difference in recovering financially. Still, the claims process can seem confusing or even intimidating, especially if it's your first time.
Want help reviewing your home insurance options or finding ways to lower your premium? A licensed insurance advisor can walk you through personalized strategies to make sure you're well-protected without overpaying.
