Why Home Insurance is a Good Idea

Your home is generally the biggest asset that you have. When you purchase your home, your mortgage lender most likely will require that you carry an adequate amount of homeowners’ insurance. This protects their financial investment in the home. A good policy works to protect the homeowner, as well.  The agents at Lebherz Insurance work with homeowners in the Frederick, MD area to ensure that they have adequate coverage for their needs.  

A homeowners’ policy will protect the home should it be damaged or destroyed. This is what most people think of when they consider insurance. A homeowners’ policy goes beyond that, though. It will also cover the outbuildings on the property. The contents of the home and all of your personal possessions will be protected by the policy. The policy will also cover your possessions if they are damaged or stolen when they are not on your property. For instance, if your laptop is stolen while you are at the local coffee shop, it will still be covered. If you have expensive collections, artwork or jewelry, you may want to discuss the possibility of additional coverage with your agent. Homeowners’ policies also provide liability coverage. This gives you protection in the event someone is injured on your property due to your negligence. It can cover medical and legal expenses.  

There are many reasons to carry quality homeowners’ insurance. The team at Lebherz Insurance can review your current policy and make suggestions about any gaps in coverage that may exist. Every homeowner is different and has different needs. Their experience in the Frederick, MD area helps them to provide the knowledgeable guidance to homeowners. Call them today and explore your coverage options today!