Home Insurance Company
At DDHT Insurers, our mission is to know and understand our clients’ needs, wants, and long-term goals. We are passionate about building trust in the relationships we have with our clients. Our focus is the client. To us, insurance is not simply insurance. We believe that insurance provides peace of mind, assurance, and protection for your family and loved ones. One of our specialties is home insurance near Albany, GA. Your home is one of the most important things you will buy in your life. Keep it protected with a local homeowners insurance plan in Albany, GA.
What is Homeowners Insurance?
Homeowners insurance is a necessary component of owning your own home. A type of property insurance, homeowners insurance protects against losses and/or damages to your residence as well as some furnishings and assets inside your home. It provides a level of liability insurance coverage protecting against accidents on the property or inside the home. Generally, a homeowners insurance policy will cover interior damage, exterior damage, loss of or damage to personal assets, and injury which occurs on the property. Every policy has a liability limit that will cover only a certain amount if an accident results in an injury on the property.
The Basics
Most home insurance policies have four kinds of coverage, dwelling, other structures, personal property, and liability. The homeowner is usually required to pay a deductible when a homeowners insurance claim is made, essentially the out-of-pocket expense for the policy owner. For home insurance quotes, you’ll want to contact a home insurance agent at our company, and we will schedule an appointment for you.
Home Insurance Coverage
- Dwelling – Damage to the outside of the home due to a covered event. Dwelling may also cover damage to a structure attached to your home, like a garage.
- Other Structures – Damage to detached structures on the property like a detached garage, shed, or a fence.
- Personal Property – Damage to personal property such as electronics, furniture, clothing, and other items inside the home. Personal property protection can help if your personal belongings are stolen or damaged in a fire. It can help you repair or replace these items in a covered event.
- Liability – Liability coverage can help pay for costs due to a person being injured on your property or in your home. Liability may also cover damage to another person’s personal property in your home or on your property. This and all coverages have their limits, of course.
“Acts of War” or “Acts of God” are usually excluded from a typical homeowners insurance policy. These are natural disasters such as floods or earthquakes. If you live in an area prone to natural disasters such as these, it is advisable to seek special coverage for it. On the other hand, most basic homeowners insurance policies will cover natural disasters like hurricanes and tornadoes. All insurance policies have their limits. Each kind of coverage is subject to its own limits based on your policy. It can sometimes be a good idea to add a personal umbrella insurance policy to your coverage, adding an additional layer of protection in the case of injury on your property or damage to another person’s personal property in or at your home.
What if my home insurance coverage isn't adequate?
Protecting what you have and protecting your loved ones is a top priority. Therefore, people get insurance. Would you be covered if someone were to become injured on your property? What if someone believes you to be at fault and decides to bring a lawsuit against you? We’ve got you covered with a personal umbrella insurance policy. Umbrella insurance policies cover above and beyond the liability coverage on your regular homeowners or auto insurance policy. When the coverage runs out on your standard policy, your umbrella insurance policy kicks in. Speak to a home insurance agent to find out if this is a good fit for you.
Key Takeaways
There is no such thing as a one-size-fits-all policy. Each policy is as unique as its covered policyholder. The coverage, limits, and deductible you need will be dependent on your individual situation. It is essential to schedule a meeting with a home insurance agent so you can find the best policy for your budget without sacrificing coverage. Home insurance will protect you from the unexpected in case of damage caused by natural disasters or theft. Let us protect your home today!