• Skip to main content
  • Skip to primary sidebar
  • Skip to footer
JMG Insurance Agency Logo

JMG Insurance Agency

Personal, Business & Specialty Insurance Brokerage

Our Locations 1-844-304-7332
  • Personal Insurance
    • Auto Insurance
    • ATV Insurance
    • Boat & Yacht Insurance
    • Motorcycle Insurance
    • RV Insurance
    • Snowmobile Insurance
    • Flood Insurance
    • Health Insurance
    • Homeowners Insurance
    • Life Insurance
    • Rental Property Insurance
    • Renters Insurance
    • Umbrella Insurance
  • Business Insurance
    • Business Owners Policy
    • Auto Insurance
    • Flood Insurance
    • Errors & Omissions Insurance
    • General Liability Insurance
    • Group Benefits Plans
    • Life & Health Insurance
    • Workers Compensation Insurance
  • Specialty Insurance
    • Car Wash Insurance
    • Commercial Marine Insurance
    • Construction Insurance
    • Contractors Insurance
    • Daycare Insurance
    • Drone Insurance
    • Farm & Ranch Insurance
    • Garage Insurance
    • Habitational Insurance
    • Limo Insurance
    • Police Professional Liability Insurance
    • Public Transportation Insurance
    • Restaurant Insurance
    • School Accident Insurance
    • Special Event Insurance
    • Sports Insurance
    • Woodworkers Insurance
  • Surety
  • Certificates
    • CSR 24 Login
    • High Volume Certificate User
    • Indemnity Agreements
  • Claims
    • First Notice of Claims
  • About
    • Blog
    • Community
    • Managerial Team
    • Our Companies
      • Baio Insurance
      • Frazao Insurance
    • Our Partners
    • Testimonials
  • Contact
  • Login

Homeowners Insurance Coverage

Get an Instant Quote! An insurance quote does not impact your credit score.

Request a Quote

October 23, 2019 by JMG Insurance Agency

Family That Has Homeowners Insurance CoverageHomeowners insurance helps you pay for the repair and replacement of parts of your home, including your belongings after they’re damaged by fire, theft, and other accidents. It can also help you pay for damage done to another person’s property or to visitors if they’re injured at your home. Most brokers provide the option to purchase additional coverage if you feel you need more insurance. For example, not all natural disasters are covered, and if you live in an earthquake or flood-prone area, you may want more homeowners insurance coverage.

What Homeowners Insurance Covers

If you’re wondering what homeowners insurance covers, the following is a list of situations that you may encounter as a homeowner that will be covered.

Dwelling Protection

The most basic form of coverage in home insurance is dwelling protection, which helps pay for damage done to the structure of the home and anything directly attached to it, such as a garage or deck. Damage can be a result of fire, smoke, lightning strikes, windstorms, hail, vandalism, theft, falling objects, and water damage, among other dangers that can happen at any time. If your home or other property is damaged by one of these events, your insurance company will help you pay to repair or replace them.

This can save you a significant amount of money if your home is seriously damaged in a storm, allowing you to spend it on other necessities instead of unexpected damage like this. Note that certain coverage, such as earthquake and flood insurance, is not always covered in your standard policy and must instead be purchased separately.

Protection For Other Structures

Other structures that are not attached to your house are also protected by a standard homeowners insurance policy. These can include tool sheds, detached garages, and even fences, which can be flattened by storms or knocked over by unaware motorists. Under this provision of homeowners insurance policies, nearly anything on your land is protected in the same way as your house itself. While necessary repairs to one of these structures can be smaller due to their size, most homeowners still appreciate the help they receive from insurance when unplanned repairs need to be made to unattached structures.

Personal Property Protection

Getting Home InsuranceIn addition to physical structures on the land, most homeowners insurance policies also cover the personal belongings in your home. If your electronics are stolen or your furniture is damaged by a fire, your insurance policy can help you replace them quickly. Optional coverage may be available for particularly expensive items, such as jewelry, art, antique furniture, and other pieces that exceed your allotted homeowners insurance coverage.

Speak with a personal insurance agent if you’re unsure of which personal items are included with your standard policy and whether you should consider increasing your coverage limit for particularly valuable items.

Liability Protection

Standard homeowners insurance policies provide liability coverage when a visitor is injured while on your property. This can include falling down the stairs, tripping over a sprinkler, and other accidents sustained onsite. Injury liability coverage can help you pay for the visitor’s medical bills, if necessary, and for any legal fees incurred if they choose to sue.

Liability protection can be augmented by a personal umbrella policy, which increases the amount of financial support you’ll receive if you need to file a liability claim for a, particularly expensive injury or lawsuit. Extra coverage is likely not necessary for most homeowners, so speak to your insurance agent for more information about umbrella insurance policies and when they might be appropriate.

Homeowners Insurance Coverage Limits & Deductibles

Each homeowners insurance policy has its limits in terms of the maximum amount paid towards a covered loss. This coverage can sometimes be extended with additional policies attached to your standard homeowners insurance policy. It may also increase based on the value of your home and belongings and how much it would cost to repair or replace them. Insurance benefits will only begin after you’ve paid your deductible, so carefully read your insurance policy or contact your agent to discuss your limits and needs.

Speak With An Experienced Personal Insurance Agency

Couple with Home InsuranceSpeak to JMG Insurance Agency for more information about homeowners insurance or to purchase your own policy. The agency has more than 100 years of experience in helping homeowners protect their property in an emergency. JMG Insurance Agency works closely with numerous insurance companies to provide its clients with a wide range of options, making it easier to find a policy that provides the right coverage for your home.

Other insurance options, including auto, motorcycle, and business insurance, are also available. The JMG Insurance Agency prides itself on providing customized, personalized insurance to clients in Connecticut, New York, New Jersey, Massachusetts, and Hawaii. Give us a call at 1.844.304.7332 or request a quote online.

Primary Sidebar

Get Started!

Loading

Your request has been submitted

Thank you for your submission. We will contact you shortly.

Resetting in second(s)

Server Side Error

We faced problems while connecting to the server or receiving data from the server. Please wait for a few seconds and try again.

If the problem persists, then check your internet connectivity. If all other sites open fine, then please contact the administrator of this website with the following information.

TextStatus: undefined
HTTP Error: undefined

Please hold while we process your request.
Error

Some error has occured.

Footer

JMG Insurance Agency Logo

The JMG Insurance Agency has been serving the insurance needs of our clients in Connecticut, New York, New Jersey, Massachusetts, and Hawaii since 1916.

  • About Us
  • Blog
  • Careers
  • Contact Us
  • Our Locations
JMG Insurance Agency 29 Haviland Street Norwalk, Connecticut 06854 1-844-304-7332 1-203-857-7848

© 2021 JMG Insurance Agency · Powered by 321 Web Marketing · Website Privacy Policy

Please read our important COVID-19 information COVID-19 Updates