Your home is a haven where you and your family set up roots and create lasting memories. At Elliott & Associates Insurance Agency in Opelika, AL, we help you safeguard your family’s most prized possessions with a home insurance coverage policy. The following are some of the available coverage policies.
This policy is one of the most basic home insurance options. It covers the house you live in and any structure attached to it such as a shed or a garage. In case these structures get partially or fully damaged by the insured risks, it pays for all expenses of repairing or rebuilding your home.
This covers structures in your home compound but detached from your house and pays for any repairs or rebuilds arising from damage or loss caused by an insured peril. These structures may include a detached shed, garage, or fence.
A home insurance coverage not only protects the structures on your property but also covers your possessions kept inside the structures. These belongings may include furniture, electronics, or clothes. In case they are damaged by perils like fire or stolen, this coverage pays for the repair and replacement costs.
It protects you when someone who doesn’t live with you, like a relative or a visitor, gets injured while on your Alabama property. In case they decide to sue, it pays for the resulting legal fees and medical expenses incurred to treat them.
It may also be referred to as loss of use coverage. It pays for any additional costs incurred if you are forced out of your property temporarily by covered losses that require repair or total rebuild.
It protects valuable belongings such as silverware, jewelry, fur, art, and any high-value item you need to be covered against loss and damage.
Regardless of your location in Alabama, whether it’s Auburn or Florence, you can get a better explanation of the coverage policies by getting an online quote or visiting Elliott & Associates Insurance Agency offices in Opelika, AL. Our agents are ready to work with you in building your home insurance policy.