Many homeowners may be surprised by the number of things covered by homeowners’ insurance. Homeowners insurance covers a wide variety of areas associated with your home. The coverage provided by this type of insurance makes caring for and managing unexpected events associated with your home more financially manageable. Our team at Capretta Insurance Agency is committed to helping Parma, OH homeowners understand and explore the benefits of homeowners insurance.  

What is Homeowners Insurance?

Homeowners insurance provides financial protection for liability issues and claims, coverage for damage to your home, structures on your property, personal belongings, and assets. Also, coverage is provided for alternative housing and living expenses if you’re forced to leave your home for its repair or rebuild. This insurance covers a wide variety of different areas that may also be outside of your property.

If you have a shed, greenhouse, or any other structure on your property, your home insurance will include coverage for these structures as well. 

I hit my neighbor’s mailbox with my car. Will my home insurance pay for the repairs?

Yes. Your home insurance is designed to provide coverage for other people’s property that’s damaged as a result of your actions or actions caused by an animal or person on your property. This is the liability portion of your homeowners’ insurance policy.

Liability coverage provides compensation and coverage for property damage to injuries that you’re responsible for causing to others. Damaging your neighbor’s mailbox falls into this category. Your home insurance will likely pay for the repair or replacement of your neighbor’s neighbor’s mailbox.

Looking for Insurance in  Parma, OH?

If you have more questions regarding what’s covered by your home insurance, give us a call at Capretta Insurance Agency. We’d be happy to answer all of your questions.