Your home is your castle. It’s where you raise your family and store valuables that took you a lifetime to accumulate. Sadly, all of this can be wiped away in the blink of an eye if there is a fire, flood, theft, or some type of natural disaster. As a homeowner, there is more you can do to protect your property than just lock the doors at night. Homeowners insurance in Columbia County, NY can help you protect your investment. Whether you’re buying insurance for your first home or the high-value home of your dreams, the team at Kneller Insurance ensure this prized possession is fitted with the right insurance coverage.
Selecting the right home insurance for your property can seem daunting. After all, you have a lot to protect. Homeowners insurance is broken down into coverages, helping you to safeguard your finances from different risks as well as protect the belongings within your home. While there are many riders you can add on to insurance, below are the basic coverages.
This type of coverages helps to cover the structure of your home in which you live, as well as other structures that are attached to it, such as a backyard deck or at attached garaged. Many home policies also include coverage for other structures that are on your property but are not joined to your home, like a detached garage, tool shed or fence.
Standard home insurance provides coverage for all of your belongings in your home. If your possessions are damaged or stolen in a covered peril, this coverage may help to repair or replace your belongings. If you have items of high-value, such as jewelry or antiques, you may need to secure additional protection.
Liability coverage will help when someone not living with you is injured on your property. Whether a visitor trips on the backyard deck or falls in your kitchen, bodily injury liability coverage may help pay for your resulting legal expenses or the visitor’s associated medical bills if you are found at fault.
If your home is damaged in a covered peril, you may need to relocate to a temporary location while your property is being inspected and repaired. Fortunately, your home insurance can step in to cover some costs associated with living away from home, for example, hotel rooms, restaurant meals, and more.
At Kneller Insurance, we are here to protect your needs. As an independent insurance agency with an extensive line of reputable carriers, our agents have the ability to search for the perfect homeowners insurance in Columbia County, NY for your needs, all at the right price. Our individualized insurance policies allow you to receive optimal coverage at the most competitive prices. We’re ready to safeguard your largest asset.