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Homeowners Insurance in Littleton

Whether you already own a home or are looking to buy one for the first time, it’s essential to understand the importance of homeowners insurance. Homeowners insurance is one of the best ways to protect your home financially from the unexpected.  

Person Holding Home Insurance Form

What Is Homeowners Insurance? 

Homeowners insurance can help protect your home, property, personal belongings and additional assets. A homeowners policy may also cover accidents or injuries that occur on your property, as well as injuries and property damage you may unintentionally cause to others away from your home. 

What Does Home Insurance Cover? 

The following are some common areas that homeowners insurance policies may cover: 

  • Dwelling coverage may help cover the structure of your home itself, including the walls, roof, foundation and other built-in structures in case of damage or destruction caused by covered perils. 
  • Other structures coverage extends to structures on your property that are not attached to your home, such as a shed or fence. 
  • Personal property coverage may help cover your personal belongings, including furniture, appliances, clothing and electronics. 
  • Liability coverage may help provide financial protection if someone is injured on your property or if you cause damage to someone else’s property. It may cover medical expenses, legal fees and potential lawsuits up to the policy’s limit. 
  • Additional living expenses may help with temporary accommodations, meals and other living expenses if your home becomes uninhabitable due to covered damage. 

How Does Homeowners Insurance Work? 

If you have homeowners insurance and a covered incident occurs, you may be able to file a claim with your insurance provider. If the claim is approved, you could receive payments for the covered losses, minus any applicable home insurance deductible and up to your policy’s coverage limit.  

Is Home Insurance Required? 

Homeowners insurance is not legally mandated, but your mortgage lender may require it. Mortgage lenders typically require you to have a homeowners insurance policy in place to help protect their financial interest in your home. Even when your mortgage is paid off, you should consider keeping coverage to help cover your most valuable asset.  

Contact Hunkins & Eaton Insurance Agency to discuss your homeowners insurance needs. We can make coverage recommendations based on your needs. 

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