Home. It’s where you raise your family, gather with friends and create memories that last a lifetime. Homeowners insurance, which is required by most mortgage lenders, provides financial protection in the event your home or its contents are damaged.
Homeowners insurance provides coverage for:
- Damage to your home’s physical structure
- Damage to other structures like a garage or shed
- Your personal belongings – whether in your home or elsewhere
- Additional living expenses in the event of a covered loss
- Your personal liability in the event someone is injured or their property is damaged by you or your family member
Upstate Agency agents will take the time to compare policies and options from multiple insurance companies so you receive the right policy for your home.
Additionally, our agents will look for all available discounts to help lower your insurance costs. When it comes time to file a claim after a loss, your agent will assist you with the claim process so you can recover as quickly as possible.
While there are different types of homeowners’ insurance policies, all provide the following basic coverage:
Dwelling coverage pays to repair or rebuild your home, including electrical wiring, plumbing, heating and air conditioning, if damaged by a covered cause of loss.
Other structure coverage pays for damages to detached structures like garages, sheds, fences and cottages on your property.
Personal property coverage reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss which could include your furniture, clothes and electronics.
Loss of use coverage pays your additional housing and living expenses if you must move out of your home temporarily while it’s being restored.
Liability insurance helps protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property.
Contact an Upstate Agency agent so we can begin helping you find the right homeowners insurance for you and your home.