James Otis said, “A man's house is his castle.” No matter who you are or whether your house is large or small, the place you hang your hat is important to you. It provides you and your family safety and security, a place of togetherness, and a place to keep your belongings.
Homeowners insurance protects the actual dwelling you live in from perils such as fire, lightning, hail, and wind. It also covers other structures on your property such as a garage or garden shed and the personal belongings in your home. Personal liability is an important part of your homeowners insurance, providing you with bodily injury and property damage coverages.
Most mortgage companies require you to carry homeowners insurance. Even if you do not have a mortgage, it is highly recommended that you carry homeowners insurance. For most people, a house is the largest purchase they will ever make, which puts you at risk for great loss unless you have proper protection.
At the Gary Thompson Agency, we can help you determine how much coverage you should carry on your home and personal property based on your unique situation. We can also add endorsements for valuables that may need extra coverage such as jewelry, a gun collection, paintings, and computers. If you have a home in Nebraska or Kansas, contact us for a review of your current policy or to request a free homeowners insurance quote.
To learn more about homeowners insurance, visit our frequently asked questions page.