For the most part, homeowners insurance policies are customizable. You can select the cover you need for your Milford, PA home and choose not to include certain items. However, some things are standard elements included in basic homeowners insurance policies. 

Please continue reading to learn more about what a homeowners insurance policy provides you, and then give us a call at RH Worthington Group to learn how to customize your policy. 

Your Home

Most insurance policies cover the interior and exteriors of homes in the event of fire, lightning, vandalism, and other covered incidents. Additionally, freestanding structures, such as garages or sheds, may also be covered under a standard homeowners insurance policy. Finally, most insurance policies offer coverage to pay for a hotel should your home be damaged to the point where it is unlivable. 

Personal Property

Items such as clothing, furniture, appliances, and other contents within your home are covered under your homeowners insurance policy. If needed, you can add “off-premises” coverage for storage units or other locations where you might be keeping the personal property. Additionally, some high-priced items may need extra coverage. Contact your insurance agent to determine how much of your personal property is covered.

Personal Liability

Homeowners insurance with liability coverage protects you when others become injured on your property. This clause includes pets, so should your dog bite someone, your insurance covers their medical expenses. Liability insurance also covers you in the event someone sues you for their injury at your home. 

There are many options available for your homeowner’s insurance policy in Milford, PA. You can easily customize it to include the coverage you need to protect your home, yourself, and your family. To learn more about standard homeowners insurance coverage and what is covered, give us a call at RH Worthington Group.