Why You Need Home Insurance

When you own your own home, you need to protect it with the right insurance. Getting home insurance is an integral part of this protection. It offers a few different types of protection for you and your home. Mortgage lenders and most HOAs also require it. If you don’t have your home insurance policy yet, it’s time to call us at Insurance & Financial Services Inc. in Baton Rouge, LA.

Home Coverage

One of the most essential parts of this type of insurance is protection for your home. When you have home insurance, it offers a layer of protection for the dwelling. It protects you against many risks, such as specific disasters. When you don’t have home insurance, and a damaging event happens, you would have to pay for all the repairs yourself. This can be prohibitively expensive for most homeowners. And if your home is destroyed, your policy will pay for your home to be rebuilt. 

Possessions Coverage

Another way that this insurance protects you is by covering your possessions. Most or all of what you own is in your home, and all those items must be covered. When a damaging event covered by the policy destroys your things, the policy will pay for replacements. When you think about how much stuff you have, it’s easy to see how great it is to have everything protected. Don’t go without this coverage when replacing what you own is so expensive. 

Get Home Coverage

When you want to be prepared for all your home’s risks, it’s crucial to have home insurance. If you’re buying a home or want to switch your insurance to a different company, call us today at Insurance & Financial Services Inc. in Baton Rouge, LA.