Home Insurance in Tecumseh
Your home is your personal space, and you need to do what you can to protect it. That is why you need to consider home insurance.
Home insurance can be expensive, but there is no doubt that it is important to every homeowner. This insurance provides coverage and protection over your shelter, which is likely your biggest investment.
Home insurance protects your home and personal belongings from unexpected events. For example, if someone falls on your property and is injured, your home insurance policy may cover these expenses. If a fire burns your house down, your home insurance may cover the costs. Read your policy to determine your exact coverage.
You file a claim with the insurance company if your home is damaged. The insurer will assess the damage and find out what happened. Next, they will process your claim and provide compensation to cover the damage. You may be required to pay for part of the damage if your home insurance does not cover the full amount (called a deductible).
No matter what type of home you live in, it is important to find the right coverage for your home. By selecting the appropriate insurance, you will have peace of mind knowing that your home is protected from unexpected events.
At Hartman Insurance Agency, our agents have decades of experience helping clients pick the right insurance options. A Tecumseh insurance agent can help you find the home insurance to fit your needs. Contact us today to learn more.
What Does Home Insurance Cover?
There are many different types of insurance policies, and they cover different risks. However, most home insurance policies cover the following:
- Fire
- Smoke
- Hail
- Wind
- Theft
- Water damage
- Falling items
Home insurance may also cover:
- Medical expenses if someone has been hurt on your property.
- Loss of use and hotel expenses if your home becomes inhabitable due to damage.
- Your belongings and assets.
- Your house and other parts that come with it, such as an outbuilding or garage.
Keep in mind that home insurance has a lot of exclusions. It typically does not cover the following:
- Nuclear hazards
- Earthquakes
- Power outages
- Government actions or war
- Pests and animals
- Rot
- Contamination
- Wear and tear
- Lack of maintenance
How to Keep Costs Down
Home insurance can be pricey, and we understand that you may want to save money. Here are some things you can do to your home to get a lower premium:
- Have deadbolt locks installed.
- Install a security system.
- Put in fire alarms.
- Install smoke detectors
- Put in a sprinkler system for fires.
- Quit smoking inside the home.
- Make sure that walkways are always clear from snow and ice to prevent falls.
Contact Our Tecumseh Home Insurance Agency Today
Your home is your most important asset. Keep it protected with a comprehensive insurance policy that covers your house and belongings.
A Tecumseh insurance agent from Hartman Insurance Agency can help you get the right coverage for your home. Get a quote today by filling out the online form or calling (734) 999-4190.