Sometimes the last thing you may want to do after purchasing a home is fork out even more money for homeowners insurance. Having a policy, however, is essential because it protects your long-term investment in the building and the property. Not only does it protect your home, but it also protects the contents inside from fire, burglary, or natural disasters.
Another important aspect of purchasing homeowner’s insurance is that a policy can protect you from liability if an individual is injured at your home or on your property. If you have never owned property before, this portion of your policy may escape your notice, but it can be critical. Even if the injury is not your fault, someone can sue you for negligence. For example, if one or more individuals trips and falls over a broken piece of sidewalk in front of your house, they can sue you.
The language in your insurance policies can also be confusing. The agents at Allegheny Insurance Agency, Inc., will be happy to explain what all of the different terms mean, as well as what type of coverage your situation requires. We also discuss choices for liability and deductible amount premiums. You can count on us when you are in the market for affordable homeowners insurance in Pittsburgh, PA.