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Buying a home is usually one of the largest, if not the largest, investment that we make in our lives. For this reason, homeowner’s insurance is not usually something that can be negotiated. Insurance for your home and possessions will allow you to rest easy at night, knowing that if your home is damaged or your belongings destroyed, you will not become destitute.

First and foremost, homeowners insurance provides coverage for damage to the home and to any other structures on your property, such as a garage or shed. Most types of damage are covered, except for common exclusions such as natural wear and tear, earthquake, earth movement, floor, or nuclear hazard. Earthquake insurance is offered by BIA Insurance Agency separately, and information on such can be found on both our Commercial Lines and Personal Lines pages.

In addition, homeowners insurance may also provide coverage for household contents and personal belongings, depending on the extensiveness of your coverage plan. This insurance may not seem important initially; after all, things like couches, clothing, and stereo systems do not seem very valuable when compared to a home. However, the cost of these things can add up if they all need to be replaced at the same time, for example after a burglary or a fire.

Finally, BIA Insurance Agency offers options for personal liability as a part of their homeowners insurance coverage policy plans. This type of insurance protects you from lawsuits that may be filed against you as a homeowner. For example, if someone trips on your front stair and is injured, or if you break a stereo system that someone has loaned to you, you are responsible for the damage that has occurred. Personal liability insurance protects you from these events. Most people tend to fear losing their own and possessions in a fire or tornado. This can be scary and obviously very costly, but most people forget that being sued for personal bodily injury can often cost much, much more, often in excess of one million dollars. In this case, your assets may be liquidated or your wages garnished. As a result, personal liability insurance is often just as important as insuring your physical property.

Here at BIA Insurance Agency, we offer a wide variety of personal homeowners insurance coverage options for you and for your home. One of our experienced and knowledgeable personal insurance plan representatives will be happy to assist you and to help you determine what type of coverage is best for you. We are happy and eager to answer all of your questions, and to help you find the best, most affordable and extensive homeowners insurance coverage for you and your home, so give us a call today.

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