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Homeowners Insurance in
Greenwood, SC
Everyone’s needs are not the same, so it is best to consult your agent to help assess your needs and find the homeowners insurance policy that is right for you.
What is homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy; therefore, it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered, but there are exceptions. The most significant are damage caused by floods, earthquakes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance related problems are the homeowners responsibility.
Why Do You Need Homeowners Insurance
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because your home is one of your largest investments.
- If your home is destroyed by fire or damaged by a natural disaster, you would need money to repair or replace it.
- If a guest in your home is injured, liability protection, and medical coverage help pay expenses.
- If you are victim of theft and vandalism, it can reimburse you for loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
- It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance.
Ask your agent to talk about what is covered and be sure to review your policy so you know exactly what’s included and what is not.
Here are a few things to discuss with your agent that will influence your decisions about home insurance.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Request More Info
You may also call (864) 223-8788 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state.
