Home Insurance in Dexter

Buying a home is a huge step. Protect your home with insurance. At Hartman Insurance Agency, we understand how valuable a person’s home is to their life. By selecting the appropriate insurance, you will get peace of mind knowing that the place you spend most of your time is protected from unexpected events. Here is what you need to know when buying home insurance in Dexter.

Types of Home Insurance

There are various types of home insurance to fit your needs. They include the following:

• Basic Form. This is a very basic policy that covers specific perils such as fire, lightning, windstorms, hail, theft, and vandalism. It is limited and, as such, is not widely available anymore.
• Broad Form. This type of policy offers more extensive coverage than Basic Form. It covers additional risks such as falling objects and ice or snow. Certain types of water damage may also be covered.
• Special Form. This is the most common type of home insurance. It provides coverage for your home against all risks except those specifically excluded in the policy (like floods or earthquakes). Personal belongings are also covered. It offers broad protection and is usually the minimum requirement by mortgage lenders.
• Comprehensive Form. This type of coverage provides even more protection than Special Form. It covers both the home and personal belongings against all risks except those excluded in the policy. It provides the highest level of protection and typically offers higher limits on coverage.
• Older home insurance. This policy is designed for older homes where the replacement cost of the home is higher than its market value. It typically covers the home for its actual cash value. It provides coverage for historic or older homes that may not meet current building codes.

What Exactly Does Home Insurance Cover?

Your coverage will depend on your policy. However, here are some things that are typically covered:

• Structure of the Home. This includes the physical structure of your home, including the walls, roof, floors, and built-in appliances.
• Detached structures: This includes structures not attached to the home, such as garages, sheds, fences, and guest houses.
• Contents of the home. Your personal belongings, such as furniture, electronics, clothing, and appliances are covered.
• Liability protection. Provides coverage if you or your resident relatives are legally responsible for someone else’s injuries or property damage. This includes legal fees and any settlements or judgments. It may also cover medical expenses for guests who are injured on your property, regardless of who is at fault.
• Temporary housing. Your insurance may cover the cost of living expenses if your home is uninhabitable due to a covered peril. This can include hotel bills, restaurant meals, and other living expenses while your home is being repaired or rebuilt.

Contact Our Dexter Home Insurance Agency Today

Your home is likely your biggest investment. Protect it with the right insurance coverage.

If you are in the home insurance market and want to learn about your options, call Hartman Insurance Agency. We will go above and beyond to ensure you have the coverage you need for your home in Dexter. To schedule a consultation, call (734) 999-4190 or fill out the online form.