Getting home insurance is required for most homeowners. Mortgage lenders require home buyers to have it, and HOAs also require them. However, it’s always important to have home insurance, even if it isn’t required. Home insurance offers several types of protection that protect you against massive expenses that may be necessary after an accident or other incident. If you don’t have your home policy yet, call us at Murvay Insurance in Newport Beach, CA.
Protection for the Home
One of the most important reasons you need home insurance is that it offers dwelling protection. When a covered event damages your home, such as an accident or disaster, the policy can pay for the necessary repairs. This coverage can save you tremendous money after a damaging event. It’s never a good idea to be without this coverage.
Protection for Your Belongings
Most of what you own, if not all of it, is likely in your home. The items you own add up to a lot of value. That makes it essential to have all of those things covered by insurance. Home insurance protects them against covered events that can damage or ruin your belongings. The policy can then pay for the items to be replaced so you can return to your everyday life.
Home insurance also protects you against liability in your home. If someone comes to your home and gets injured there, you would be liable for paying for those injuries. With home insurance, liability coverage is included. This allows the policy to pay those medical bills.
Get Your Home Insurance Policy
When you need home insurance, we can help. To learn more, call us at Murvay Insurance in Newport Beach, CA.