What Does a Homeowners Insurance Policy Cover?

If you have a mortgage, then you probably pay for homeowners insurance. Putnam Connecticut homeowners insurance is a great way to protect your investment and provide you with peace of mind during life’s uncertainties. Here are a few things this policy usually covers.

Dwelling

The dwelling is the house you live in and any structures that are attached to it. The appliances, heating, electricity, plumbing, and any permanent air conditioning units are also considered part of the dwelling.

Other Structures

A homeowner’s insurance policy can also covers structures that are not attached to your home. These include things such as driveways, fences, walls, patios, and sidewalks. If you have a detached structure that is used for business purposes, it is probably not covered under the policy.

Personal Property

Putnam Connecticut homeowners insurance can also cover the personal property in your home. Sometimes there are limited coverage amounts for personal property. The coverage is usually based on the replacement cost or actual cash value.

Loss of Use

In many cases, the policy will protect you if you cannot use it due to damage. This is helpful if you need to pay for living expenses while your home is being repaired.

For help getting the right Putnam Connecticut homeowners insurance, contact an insurance agent. This way you can customize the coverage for your specific needs.

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