Home insurance from Lambert Agency will protect your home from unforeseen events that can befall your property. If a sudden storm or fire wreaks havoc to your home, home insurance will provide financial support to compensate you for your loss. Here are some basic facts you should know about home insurance before purchasing your policy.
Home policies in Alabama generally offer the following basic coverage:
- Additional Structures
- Additional Living Expenses
Dwelling coverage protects the structure of your home such as your walls, floors, roof, foundation, garage, and built-in structures. Most policies cover perils like fire, vandalism, rainstorms, windstorms, lightning strikes and water damage due to leaky plumbing. To fully protect your property, we recommend you purchase sufficient dwelling coverage to rebuild in case your home is totally destroyed in a disaster.
This coverage protects other structures on your property that aren’t attached to your home such as a tool shed or gazebo.
Property coverage protects your belongings. This includes your furniture, electronics, artwork, appliances, clothing and other personal items. If any of these items are stolen or destroyed in a covered peril, property coverage will help you recuperate your losses, up to the limits of your policy.
Liability insurance protects your financial assets in case you've found responsible for an accident on your property. If a friend falls down the stairs and breaks his leg, liability coverage will pay his medical costs. Liability also protects you against lawsuits that may arise due to accidental injuries on your property.
Additional Living Expenses
If you have to leave your home due to extensive damage from a covered peril, this coverage helps pay for extra costs of living elsewhere such as a hotel room or meals out while your home is being repaired.
Where to Purchase Home Coverage
For quality home insurance to protect your Alabama abode, call or visit a representative from Lambert Agency today.