Are you considering taking out a homeowner’s insurance policy? Many policy owners are unclear about what they’re covered for, as well as if they have enough coverage. Accredited Insurance Group, Inc. has provided quality insurance products to their Omaha, NE, clients for over 25 years. Below their qualified agents outline the three things your homeowner's insurance policy will generally cover.

A Guide to What’s Covered by Your Homeowner’s Insurance Policy

1. Your Dwelling & Other Structures on the Property

Your primary home and any other structures on the property are generally covered by your policy. In the instance of a fire, your primary dwelling, as well as its garage, deck, front patio, and any other structures, such as a tool shed, are insured. However, do note that these policies generally don’t cover for natural disasters, like flooding or earthquakes. Consult your insurance agent for adding policy riders to ensure coverage.

2. Personal Property

If the property within your home is stolen or damaged in a fire, your policy will cover for these losses. It will not cover jewelry or fine art, which require an additional coverage rider to your policy. 

3. Liability

If anyone is injured while on your property, the liability portion of a homeowner’s insurance policy kicks in and provides coverage. It is advisable to purchase an umbrella policy to supplement your coverage for extreme instances where your policy is maxed out, and you are left liable. 

If you’re unclear about what your homeowner’s insurance policy covers, you’re not alone. It can help to speak with a qualified agent while shopping around for insurance quotes. Call the professional staff at Accredited Insurance Group, Inc. today at (402) 334-1780 or visit their website for more information. Or, follow them on Google+ for more helpful tips.