Being a homeowner can be exciting in Indiana. With rain, snow, storms, and more, anything can happen. How you protect your home is important, which is why Knight Insurance can work with you to build a customized home insurance policy.
What You Need to Know About Home Insurance
Although the state of Indiana doesn’t require you to have home insurance, your mortgage company will. There are some basics that every home policy includes:
- Liability coverage
- Loss of use coverage
- Coverage for the dwelling
- Coverage for your personal belongings
This means that your home and everything in it is protected. Should you be unable to live in your home temporarily, you would have the financial means to live elsewhere. Further, should someone get hurt in your home, you’re also covered.
Every home is different—and so are the different home insurance policies that are out there. While you’re always protected against such things as fire and theft, you will also want to look at the other scenarios you are and are not protected against.
How to Customize Home Coverage
You will want to review how you can customize your coverage so that it works for you. This includes looking at the value levels within a policy to ensure they’re sufficient to replace your home and all of your belongings. A high-value rider can be added if you have art collections, jewelry, and other high-value items.
Additionally, there are ways to get discounts. Home security systems, fences, and more can work to save you money on your home insurance premiums.
The best thing to do is to work with an independent insurance agent. We can work with you to build a policy that you can depend on, year after year. Plus, as you modify your home, we’ll modify your home policy.
Call us at Knight Insurance today to learn more about home insurance. Our independent insurance agents can answer questions and guide you toward a policy you can depend on.