Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Check with your Insurance Professional and discuss all of the terms and conditions of your Homeowners' policy, of course. For the most part, most modern Homeowners Insurance Policies protect your dwelling, other property structures and your personal belongings for a fairly broad range of covered perils. These commonly include fire, lightning, theft and so on. Your policy will, however also include some fairly specific exclusions that eliminate or limit coverage, so you need to be aware of these as well. Remember that most policies exclude coverage for damage caused by earth movement and flood. You can, in most cases, ask to have earth movement coverage endorsed onto yur policy, but the only way to protect yourself from flood loss is by purchasing a Flood Insurance Policy.
In addition to the physical coverages I have just referenced, the Homeowners' policy will also provide Liability coverage. This line of coverage protect you from losses caused by bodily injury or property damage for which you are leagally liable.
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In addition to the physical coverages I have just referenced, the Homeowners' policy will also provide Liability coverage. This line of coverage protect you from losses caused by bodily injury or property damage for which you are leagally liable.