For most families, a home is the biggest financial investment they’ll ever make. That’s why having the right home insurance isn’t just a box to check—it’s your safety net when the unexpected happens. But what exactly should a solid home insurance policy include?

Let’s break it down in simple terms:

Dwelling Coverage – Protecting the Structure

This is the backbone of your policy. Dwelling coverage pays to repair or rebuild your home if it’s damaged by events like fire, storms, vandalism, or other covered risks. Without enough dwelling coverage, you could be left footing the bill for costly repairs—or worse, unable to rebuild after a disaster.

Tip: Make sure your dwelling coverage is based on current rebuild costs, not just the market value of your home.

Personal Property – Safeguarding What’s Inside

Your furniture, electronics, clothing, and even smaller items like kitchenware are all protected under personal property coverage. If a fire, theft, or covered event damages your belongings, this part of your policy helps replace them.

Tip: Keep an updated home inventory with photos or videos. This makes the claims process smoother and ensures you don’t underestimate what your belongings are worth.

Liability Protection – Covering Accidents & Lawsuits

If someone slips on your front steps, a tree in your yard damages a neighbor’s car, or your pet injures a visitor—liability coverage steps in. It helps cover medical bills, legal fees, and even settlements if you’re found responsible.

Tip: Many homeowners underestimate how much liability coverage they need. Consider increasing your limits or adding umbrella coverage for extra protection—it’s often very affordable.

Loss of Use – Covering Temporary Living Expenses

If a fire, storm, or other disaster makes your home unlivable, loss of use coverage helps pay for hotel stays, rental homes, meals, and other living expenses while your house is being repaired. This ensures your life isn’t disrupted financially while you recover.

Tip: Review the daily limits on this coverage to make sure it realistically covers your family’s needs.

Why It Matters

Not all home insurance policies are created equal. The right coverage gives you confidence that both your property and your family’s financial security are protected when life throws you a curveball.

At Defy Insurance Agency, we make it simple. We’ll review your current plan, explain where gaps might exist, and compare side-by-side options to help you find the best value.

Call us today at 877-780-4626

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Get Your Free Home Insurance Quote – Let’s make sure your home, your belongings, and your future are fully protected.