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Homeowner Insurance

from Beasy Insurance Services

Homeowner Insurance

Your home is one of your largest investments, so it makes sense to properly protect that and your contents. 

Although homeowner insurance cannot prevent damage or loss to your property, you will be financially protected in the event of natural disasters, lawsuits, and other unexpected events. This is because the coverage pays for the partial or total damage to your property and its assets as well as legal and medical fees, thereby securing your financial future.

Safeguard Your Home from the Inside Out

In Arizona, California, and other states, a usual homeowner insurance policy provides the following coverage:

Dwelling coverage

This pays for the repair or replacement of any section of your house (e.g., roof, walls, ceiling) when it gets damaged.

Personal property coverage

Personal belongings like clothes, appliances, electronics, and furniture that get destroyed or stolen are protected by this provision.

Liability protection coverage

This coverage takes care of everything in instances where a guest or visitor files a lawsuit against you after sustaining injuries on your property. This also provides cover in case your guest or visitor sues you after their property gets ruined while visiting your home.

Other structures coverage

This covers structures within your property that are detached from your home. These structures may include fences, garages, sheds, driveways, and swimming pools.

Guest medical protection coverage

Also known as medical expense coverage, this provision pays for the medical costs of a guest injured on your property.

Additional living expenses coverage

This reimburses out-of-pocket bills such as temporary accommodation and food when you have to leave your home because it is rendered unlivable. This typically occurs when there are necessary repairs to be done to fix damages caused by an insured peril like fire.

Extra Layer of Protection

To ensure greater peace of mind, consider additional protection such as:

  • Valuable items coverage

  • Flood insurance

  • Earthquake insurance

  • Umbrella insurance

Buy Homeowner Insurance Today

Learn more about homeowner insurance and what coverage is right for you.

We at Beasy Insurance Services can draw up a policy specific to your needs. Reach out to us today.