Did You Know About the Benefits of Homeowners Insurance?

If you are a homeowner with a mortgage, then it is likely that your lender requires you to have homeowners insurance. Even though you have to have coverage, don't despair. There are many benefits to having homeowners insurance that can impact your wallet and lifestyle. You know that homeowners insurance in Antioch, CA covers the basics of your home and property, but here are a few lesser-known benefits of having home insurance. 

• It covers family members and their property when away from the home

If you have a child who is a full-time student and living in a dorm, then the personal property and liability coverage included in your homeowners insurance goes with them. If your laptop gets stolen while you're on a flight to your New York city break, then you can fall back on your homeowners insurance to replace it. If your car gets broken into and they take your phone, again, you can rely on your home policy.

• It covers damage from falling debris

If, for whatever the reason, an object falls on your home and damages it, your home insurance policy can help to cover the costs of removal and repair.

• It covers losses due to dog bites

The liability coverage in your homeowners insurance policy may offer dog bite protection for no extra cost. There are some breeds of dogs that are automatically excluded from coverage, however.

• It covers damage due to power outages

If a power outage causes you to lose hundreds of dollars' worth of food in your refrigerator and freezer, your homeowners insurance may help to restock your supplies.

Did you know these benefits about homeowners insurance? Ask your insurer for more information about what is and is not covered! When you're ready to secure a quality homeowners insurance policy, talk to the friendly experts at Jack Stone Insurance Agency. We serve Antioch, Brentwood, and surrounding cities in California. Contact us today to get started!