{"id":1276,"date":"2018-03-21T07:51:52","date_gmt":"2018-03-21T07:51:52","guid":{"rendered":"https:\/\/www.stormsmart.com\/?p=1276"},"modified":"2020-04-14T10:49:13","modified_gmt":"2020-04-14T14:49:13","slug":"exactly-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/www.stormsmart.com\/exactly-homeowners-insurance\/","title":{"rendered":"What Exactly Is Homeowner\u2019s Insurance For?"},"content":{"rendered":"<p>The process of buying a home can be quite lengthy and exhausting, so by the time they\u2019re done many buyers don\u2019t even have the time to look into homeowner\u2019s insurance and just end up purchasing it as a recommendation. In fact, many people don\u2019t even know exactly what homeowner\u2019s insurance does or what the purpose of having it is.<\/p>\n<p><!--more--><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignright wp-image-1277 size-full\" src=\"https:\/\/www.stormsmart.com\/wp-content\/uploads\/2018\/02\/hands-joined-around-the-house-picture.jpg\" alt=\"Homeowner\u2019s Insurance\" width=\"731\" height=\"478\" srcset=\"https:\/\/www.stormsmart.com\/wp-content\/uploads\/2018\/02\/hands-joined-around-the-house-picture.jpg 731w, https:\/\/www.stormsmart.com\/wp-content\/uploads\/2018\/02\/hands-joined-around-the-house-picture-300x196.jpg 300w\" sizes=\"(max-width: 731px) 100vw, 731px\" \/>Homeowner\u2019s insurance covers damage to your home. This can include damage caused by theft, fire, and certain natural disasters. It often does not cover floods and earthquakes, but you should read the policy to find out what is covered. You will also be covered in the event that someone becomes injured in your home.<\/p>\n<p>While you may never need to use your homeowner\u2019s insurance, having a policy could end up saving you thousands of dollars. If your home sustains damage that should be covered under your policy, you should contact the insurance company as soon as possible and file a claim. They will send an adjuster to your home to assess the damage and then the company will pay you a sum of money so you can repair the damage.<\/p>\n<p>Many lenders require you to purchase homeowner\u2019s insurance so you might not have a choice. You do have a choice in which company or type of policy you go with. Homeowner\u2019s insurance can also protect your home against vandalism, storm damage, and more. The policy will pay to repair or rebuild the structure of your home, but it won\u2019t pay for damage caused by carelessness or routine wear and tear.<\/p>\n<p>Your personal items like furniture, clothing, and electronics are also covered in the event they are damaged or stolen. It\u2019s recommended that you conduct a home inventory including receipts in the event that you do need to file a claim. Adding certain products like storm protection windows and doors to your home could actually lower your homeowner\u2019s insurance premiums. For more information, contact Storm Smart at 239-274-2700.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The process of buying a home can be quite lengthy and exhausting, so by the time they\u2019re done many buyers don\u2019t even have the time to look into homeowner\u2019s insurance and just end up purchasing it as a recommendation. In fact, many people don\u2019t even know exactly what homeowner\u2019s insurance does or what the purpose&nbsp;<span class=\"ellipsis\">&hellip;<\/span><\/p>\n","protected":false},"author":24,"featured_media":1277,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,9],"tags":[],"class_list":["post-1276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-featured"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.5 (Yoast SEO v26.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Exactly Is Homeowner\u2019s Insurance For? | Storm Smart<\/title>\n<meta name=\"description\" content=\"What Exactly Is Homeowner\u2019s Insurance For? Read a blog post by Storm Smart offering storm protection services in Fort Myers, FL. 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