Month: August 2022

Owning a home is a great joy, but one of the top things many homeowners should consider is purchasing home insurance. Some homeowners in Alabama perceive home insurance as a must-have, while others see it as an unnecessary cost. So, do you need homeowners insurance?

Why Do You Need Home Insurance?

At Surety Ins Inc., we recommend that you get home insurance. This policy is meant to protect your home and the property in your home from damage and theft. Homeowners’ insurance typically covers:

• Your house: The home policy covers the cost of repairing or rebuilding your house and even other structures, such as a storage shed and detached garage, on your property after a covered peril. 
• Your stuff: A homeowners policy will pay to replace your belongings in your home after loss due to theft or damage by a covered peril. For example, if you own expensive jewelry stolen from your home, your home policy will pay to replace it. At Surety Ins Inc., we advise that you consistently update your home policy every time you purchase an expensive item and store it in your home. 
• A place to stay: If a covered peril extensively damages your home, you might need a place to stay while it’s being repaired. Your home policy will cover the additional expenses you incur while living away from your home as it is being repaired. This includes the cost of a hotel/motel room, transportation, laundry services, etc., for your entire family. 
• Legal bills and liability: Suppose your guest gets injured in your home, and they sue you. Your home policy will cover your legal bills for the court case. It will also cover any settlements the court awards the complainant, including medical bills and compensation for lost wages.

Are you seeking home insurance in Alabama? Contact Surety Ins Inc. for excellent home insurance deals.