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Homeowners insurance creates peace of mind for many homeowners. Many homeowners lack the resources to pay for an unexpected incident or situation concerning their property or home. Homeowners insurance even provides liability protection if you’re at fault for an accident or situation that takes place.
Our Rochester, NY team at Bajorek Agency Inc is committed to helping homeowners understand the benefits of homeowners insurance.
What are the Benefits of Homeowners Insurance?
Homeowners insurance provides financial and liability protection and coverage for your home, the structures on your property, personal possessions, and more. Your homeowner’s insurance will pay for the repair or replacement of your home, in addition to providing money for living expenses. If the repair of your home requires you to leave and reside somewhere else while it is being repaired, your homeowner’s insurance will pay for housing and living expenses until your home is repaired.
Liability coverage is also a part of a standard homeowner insurance policy. This means that your homeowner’s insurance will cover damage you cause to someone else’s property, bodily injury, and even dog bites.
Will homeowners’ insurance pay for the injuries caused by my dog attacking the neighbor’s dog?
Your homeowner’s insurance policy provides both legal and liability coverage for dog bites. Your homeowner’s insurance policy provides medical coverage. However, the covered amount must be within the limits of your homeowner’s insurance policy.
Any amount over the coverage limits of your insurance policy is the financial responsibility of the homeowner. Homeowner’s insurance liability coverage limits typically range from $100K to $300K.
Contact Us Today
If you have questions about homeowners’ insurance, we’d be happy to help. We can help you explore the benefits of Rochester, NY home insurance. Call us at Bajorek Agency Inc. We’re standing by.