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Are you shopping around for a homeowners insurance policy? Understanding your coverage needs can often be confusing, but you want to ensure that you are properly protected in the event of a disaster or burglary. The trusted team of agents at The Simmons Insurance Group has been providing quality products to the residents of southeastern Ohio, for over 47 years. Below they outline what you can expect from a basic plan. 

A Guide to Homeowners Insurance

What’s Covered?

Homeowners insurance usually covers your belongings and the physical structure, including any sheds and garages that are part of your property. If a visitor is injured, your plan provides liability protection. It’s also important to know what exclusions apply. For example, in the event of storm damage from wind, hail or lightning your home would be protected, but not from damage caused by a flood. If you live in a high-risk area or one that experiences natural disasters, discuss additional options with your agent.

Why Is It Important?

homeowners insuranceThe policy ensures that if your home is damaged, burns down, or is burglarized, you are covered. A person’s primary residence is likely to be the largest investment of their life. Protecting your most valuable assets means that you won’t have to suffer the cost of rebuilding your structure, as well as a mortgage payment, in the event of a loss.

How Does It Keep You Secure?

By properly insuring your home, you are offsetting the risk of a catastrophe or loss. In addition, you are protecting the well-being of your family and loved ones, who rely on having a roof over their head at all times. 

If you have questions about your homeowners insurance policy or would like to purchase one, turn to the trustworthy professionals at The Simmons Insurance Group. They will help you find the comprehensive coverage you need at a price you can afford. The team also offers quality life and commercial insurance products. Call today at (740) 667-3111 to schedule an appointment, or visit their website for more information them. 

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