Allyn Home Insurance is a great step for any home owner towards protect their home from fire, water, lightning, and other covered perils. Learn what home insurance with Pfarr Insurance Agency can offer you and how we can help give your Allyn home insurance that’s comprehensive and affordable.
There are a few types of standard coverages that come with every home insurance policy
Dwelling Coverage
Dwelling coverage helps protect the structure of your home from fire, lightning, tree falls, vandalism, and other protect perils. You typically are the one to set the coverage limit for your dwelling. It’s important to keep in might repair and replacement costs and renovations (both past and future) that might make a complete rebuild more expensive if you don’t consider them.
Personal property coverage
Personal property coverage is the part of your policy that helps cover the cost of repair or replacement for your personal belongings that are damaged or destroyed by a covered peril. Personal property coverage provides protection for:
- Clothing
- Shoes
- (Some electronics)
- Furniture
- Appliances
Personal property coverage does not provide coverage for luxury items such as fur, jewels, or instruments. These items can be covered by add-ons specifically designed to protect these high-priced items.
Personal property coverage does not cover lost items.
Other structures coverage
Other structures coverage is the part of your Allyn home insurance policy that can help ease the costs of repairing or rebuilding other structures on your property that are damaged or destroyed by a covered peril. These structures include buildings like:
- Barns
- Gazebos
- Sheds
- Detached garages
Keep in mind that the limits on your dwelling coverage may directly affect how much other structures coverage you have available. For example, if you have a $1M limit on the structure of your home itself, you may have $200,000 worth of other structures coverage.
Personal liability coverage
Personal liability coverage is the part of your insurance policy that can help you and your family pay for expensive medical or legal bills in case a neighbor or guest is injured in your home and decides to sue. Personal liability coverage also extends to pets (though injures sustained by some breeds of dogs deemed ‘aggressive’ are excluded from this coverage).
Medical coverage
Medical coverage in your Allyn home insurance policy lets you help pay for the medical bills of a neighbor of guest who is injured in your home but decides not to sue. For example, if a friend falls down your stairs and breaks an ankle but decides not to sue, you may be able to still help pay for their medical expenses with medical coverage.
For more information on the coverage and limits of an Allyn home insurance policy, contact your local agent to get started!
