Having your own home in Dinuba is a great accomplishment. You have worked hard to get where you are so why not have the peace of mind knowing your home has insurance to protect you from financial woes in the future?
Home insurance in Dinuba is essential no matter what type of home you have. Depending on whether you rent or own your home, you will need an appropriate insurance policy to protect what you value most. Both renters insurance and homeowners insurance will provide you with liability coverage as well as property coverage. While there are differences between the types of policies, they both work to do the same thing; give you financial protection when you suffer a covered loss.
Renters insurance in Dinuba can be cheap and affordable when renting a house or apartment. A renters insurance policy will give you coverage for your personal property up to the selected coverage limit minus the deductible. So if your home is broken into and your furniture is stolen, you can file a claim to get reimbursed for the cost of the furniture, minus the deductible. You also get liability protection against third party claims. This means that certain situations where you’d be held financially responsible for another person’s expenses can be covered under your liability insurance. For example, your friend comes over with their toddler and the toddler is playing with your dog. Something happens and your dog nips the child in the hand and breaks skin. Even if it was an accident, because the dog is your responsibility, the resulting medical bills also become your responsibility. Your liability coverage can pay for the child’s medical bills and other related expenses.
If you own a home in Dinuba, you will need to purchase homeowners insurance. Depending on whether you financed your home, your bank may require your home to be insured. Even if you aren’t required to have it, homeowners insurance is always recommended in Dinuba. A home insurance policy has similar coverage compared to a renters policy but it also covers the actual structure of your home as well. You also get liability coverage just like the renters policy. For example, a visitor is walking on the path to your front door and trips and falls and breaks their ankle. While the accident wasn’t your fault, you could be held responsible for the visitor’s medical expenses. Your liability insurance can cover the medical bills and any other resulting expenses.
With both renters insurance and homeowners insurance in Dinuba, you also get loss of use coverage. Do you have enough money saved to cover a hotel room, eating out, and other related expenses if you were forced to leave your home? Luckily with home insurance, you can get coverage for these expenses in the event that you cannot live in your home as a result of a covered loss. For example, if a fire broke out in your home and burned down the majority of the building, you wouldn’t be able to live there at least until they start repairs. Loss of use coverage on a home insurance policy will cover your additional expenses from living elsewhere.
Steven R. Nelson Insurance Agency has years of experience insuring homes in Dinuba. Now that you know all of the benefits of having home insurance, call our office, stop by, or go online to request a free Dinuba home insurance quote. We are happy to answer any questions you may have.