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What Does Homeowner’s Insurance Cover?

A standard homeowner’s insurance policy typically includes:

1. Dwelling Coverage

Protects the structure of your home, including the roof, walls, and built-in systems, from covered events like fire, windstorms, and more.

2. Personal Property Coverage

Covers your belongings, such as furniture, electronics, and clothing, in case of damage or theft.

3. Liability Protection

Shields you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property.

4. Loss of Use

Provides coverage for temporary housing expenses if your home becomes uninhabitable due to a covered event.

Optional Add-Ons for Enhanced Protection

To ensure complete coverage, you can supplement your standard policy with additional options:

  • Valuable Articles/Floater Policies: Protect high-value items like jewelry, fine art, and collectibles.
  • Flood Insurance: Essential for homes in flood-prone areas, as standard policies typically don’t cover flood damage.
  • Earthquake Insurance: Offers protection for homes in areas prone to seismic activity.
  • Umbrella Policies: Provides additional liability coverage for larger claims or lawsuits.
  • Animal Liability Coverage: Covers liability issues related to household pets.

Why Choose GRIT Insurance?

At GRIT Insurance, we understand that no two homes are the same. That’s why we:

  • Shop Multiple Carriers: Find the best policy to fit your unique needs and budget.
  • Offer Personalized Service: Work with experienced agents who guide you every step of the way.
  • Provide Expertise: Help you understand your coverage options and customize your policy.