Owning a home is top of the list for many Americans. This is one of the reasons people work so hard in life. Once you acquire a home, it’s important then to protect your property using a home insurance policy. Home insurance safeguards against loss of property caused by fire, natural calamities such as floods and storms, or any other disaster that may result in property damage.
If you’re a homeowner, there are many home insurance companies in Danville ky you can contact for a home cover. However, it’s crucial to find one that has your best interests. At Johnson Pohlmann, we’re an independent insurance agency. We represent more than 25 reputable companies, making us more than capable of finding the right one for you. Home insurance is a significant investment in securing the future of your property. This is because unforeseen calamity may strike, destroying your property, which you would have to replace or repair.
What Our Home Insurance Guarantees
There are different types of home insurance covers. That is because of the different risks that your home is prone to. One type of cover may be insufficient to cover all your bases, but at Johnson and Pohlmann, we can help you find the best cover for your specific needs. Our home insurance covers you against:
- Property Damage
Property, in this case, includes your residence and any other structures that are separate from it but still found within your premises. This includes fences and landscaping. We typically indemnify you against any loss of property caused by fire, theft, hurricanes, and civil disturbances. In case of any of these incidences, we will compensate you, so you do not have to pay out of pocket to replace the damaged property.
- Personal Property Loss
This covers you against loss, theft, or damage to your personal belongings up to a given limit. Personal property in a homeowner’s insurance includes memorabilia, treasures, and any other items of worth to you. Most insured personal property is expensive to replace once its destroyed, and that is where home insurance comes in.
- Personal Liability
Personal liability insurance guarantees you protection against injuries that may require medical care up to a certain limit. Sometimes when a neighbor or friend comes to visit, they might get injured. Personal liability covers the medical bills that would arise from such an injury or even legal fees in case you get sued.
- Temporary Living Expenses
When your home is damaged by any of the covered perils, home insurance will cover the costs of living elsewhere temporarily as your house is being repaired. With our home insurance, we will compensate you for the expenses accrued living somewhere else.
Leading Home Insurance Agency at Your Service
If you are shopping for home insurance, we’ve got you covered. We represent the leading home insurance companies in Danville ky and we’ll ensure we find the one that meets your needs. For home insurance, contact us today at 859-236-5922. We’re committed to safeguarding your finances in case of property damage of any kind.