Homeowner's insurance is a form of property insurance that covers losses and damages to an individual's house and to assets in the home. House insurance also provides liability coverage against accidents in the home or on the property. Homeowners, who are choosing their own insurance policy, can compare multiple offers and pick the plan that works best for their specific needs.
Your house is undoubtedly your costliest asset. Any catastrophic devastation cause due to earthquakes and other natural calamities can shake the entire structure of your house. The consequence of the same is likely to be that your house becomes completely unlivable. It is only to protect you and your house from unforeseen circumstances that homeowner's insurance becomes crucial. In the event that your house gets damaged, the financial and emotional pain of rebuilding a house or reinstalling its contents is painful, difficult, and tedious. A comprehensive home insurance policy will help relieve some of the stress involved in damage caused to your home.
A standard house insurance policy includes:
This provides protection for the structure of your home including the floors, walls, built-in appliances, and ceilings, as well as any attached structures. It also covers a variety of perils including fire, theft, and vandalism, and can help you rebuild your home is the event of total loss.
This protects items including furniture and clothing in your home. If a covered incident were to occur, you would receive funds for the value of these items, as defined by your policy.
This policy consists of bodily injury damage coverage, which covers costs if a guest sustains an injury in your home or on your property.
You can also purchase optional home insurance policies, such as:
This policy protects your house and belongings from flood-related damages.
This policy covers your home in the event of damages caused by an earthquake.
This policy offers an extra level of protection that can provide additional coverage to rebuild your home after a total loss.
This protects your home in the event of sewer or drain backup, which is a common issue faced by homeowners.
This covers property that is unattached to your home, such as a gazebo, shed, or unattached garage.
This policy provides additional coverage for bodily injury, property damage, and personal injury to others (beyond the policy limits outlines in your main homeowner's policy.
This policy may provide payment for a medical expense resulting from an accident on your property.
This policy kicks in if you need to rebuild your house to fit current building codes after a covered loss.
If you are looking to purchase home insurance in Abbotsford, Mountainview Insurance offers a wide range of house insurance policies. No matter what you are looking for in a homeowner's insurance policy, please stop by our Abbotsford office, or contact us at 604-557-0255 or by filling out a contact form on our website. Our professional team of home insurance experts can help you find the perfect combination of policies for your specific needs.
We’re ready to understand your insurance needs and to work for you to get the coverage you need.