Homeowners insurance includes many different forms of coverage. It’s designed to cover different areas of homeownership, from your home’s foundation to liability issues. Many homeowners would agree that homeownership comes with many different responsibilities, and the unexpected should be expected. Our AAIGOT Insurance Agency Inc. team is committed to helping Houston, TX, homeowners understand the various insurance benefits and get the coverage they need.
What does homeowners insurance cover?
Homeowners insurance covers your home’s interior, exterior, foundation, plumbing, electrical, all the structures on your property, and more. It also provides liability coverage for anyone who is injured on your property and anyone whose property is damaged while at your home. It is comprehensive coverage designed to meet a myriad of different needs. Of course, guidelines detail the terms of coverage. As long as any damage to your home or any circumstance meets the coverage guidelines of your homeowner’s policy, you’re covered for repair or replacement. There are some situations that homeowner’s insurance typically doesn’t cover. For example, damage caused by normal wear and tear or negligence is generally not covered by homeowners’ insurance. Also, homeowners’ insurance doesn’t cover some forms of foundation damage. Your insurance agent can discuss what your homeowner’s policy covers and does not cover.
My dog bit my neighbor. Will homeowners insurance pay for medical care for my neighbor?
Yes. Your homeowner’s policy will likely cover your neighbor’s dog bite with your liability coverage. This coverage provides medical care for anyone injured on your property. Liability coverage also includes repairing or replacing if you damage someone’s property. Your homeowner’s policy covers many different circumstances as long as these situations meet the coverage guidelines of your policy. If you have questions regarding the benefits of homeowners insurance, call us. We’d be happy to answer your questions.
