Your home is likely your biggest investment, so it’s important to protect it with insurance. Home insurance covers your home and personal property in the event of damage or theft. It can also help cover the costs of someone being injured on your property. Here we discuss what home insurance covers and how to choose the best policy for your needs. Capretta Insurance Agency in Parma, OH will help you understand what your home insurance covers.

What Does Home Insurance Cover?

Home insurance covers your home and personal property in the event of damage or theft. It can also help cover the costs of someone being injured on your property. Most home insurance policies have three main types of coverage: dwelling coverage, personal property coverage, and liability coverage. 

Dwelling Coverage

Dwelling coverage helps protect your home’s structure, such as the walls, roof, and foundation. This coverage typically includes repairs or replacement if your home is damaged by a covered event, such as a fire or severe weather. 

Personal Property Coverage

Personal property coverage helps protect your belongings in the event that they are damaged or stolen. This can include items like furniture, clothing, electronics, and more. Most policies have a limit on how much coverage you have for personal property, so it’s important to insure your belongings for their full value. 

Liability Coverage

Liability coverage helps protect you if someone is injured on your property or if you cause damage to another person’s property. This type of coverage can help pay for medical bills, legal expenses, and more. 

Choosing the Right Home Insurance Policy 

There is no one-size-fits-all answer when it comes to choosing a home insurance policy. The amount of coverage you need will depend on a number of factors, such as the value of your home and belongings, where you live, and more. It’s important to work with an experienced insurance agent who can help you assess your risks and choose the right policy for your needs. 

Contact Us Today

Home insurance is an important way to protect your most valuable asset – your home. At Capretta Insurance Agency in Parma, OH, we understand that everyone’s needs are different. We offer a variety of home insurance policy options and can customize a policy to meet your specific needs. Contact us today to learn more about our home insurance options.