Homeowners’ insurance has many benefits. It can provide protection for your home, your interior and exterior structure, personal belongings, and more. However, the terms of coverage are always clearly outlined so that homeowners understand what’s covered and under what circumstances something is covered. Our team at Atkinson Casey Agency understands that understanding homeowners’ insurance can be confusing. We’re committed to helping Monroe, GA residents understand homeowners insurance better.
What is homeowners insurance?
In short, homeowners insurance is property insurance with different areas of bundled coverage that all fall under the term "homeowners insurance." This means that your home’s structure is covered, both inside and out, as well as your personal belongings. Also, any structures on your property are covered as well. Liability coverage is also a benefit of homeowners insurance. This provides protection for you and also covers any injuries or property damage others may sustain while visiting your home. Liability coverage can also cover other people’s property that you may accidentally damage while driving your car. Some policies may also cover damage your dog may cause to others if he or she bites or attacks them.
Will homeowners insurance cover my broken mailbox?
Maybe. Your homeowners’ insurance will cover the repair of your damaged mailbox if it’s damaged as a result of a situation or circumstance that falls under the terms and conditions of your policy. Not all situations will fit your terms and conditions. For example, if you hit your own mailbox, it’s possible that your homeowners’ insurance won’t pay for its repair. An incident like this may be considered negligent. However, the exact terms of your policy will have to be explored to determine if the repair of your mailbox would be considered a covered event. An insurance agent would be able to determine if your damaged mailbox will be eligible for repair.
Schedule A Consultation Today
If you have questions regarding home insurance, we’d be happy to answer them. Call us at Atkinson Casey Agency. We serve the greater Monroe, GA area.
