Whether you own a home in Iowa or Illinois or are thinking about moving here, protecting your investment is crucial and will come in handy in helping you eliminate any financial setbacks. Apart from this, you also get peace of mind knowing that your home is protected from unfortunate events. Below, August Vincent Insurance Agency takes you through the types of home insurance options that residents within Illinois and Iowa should consider getting.
Content coverage provides compensation when your personal belongings are stolen or damaged during fire, hail, or vandalism incidents. If your clothing, electronics, or furniture need repairs or replacement, content coverage will help you pay for these costs. However, expensive belongings such as jewelry and art pieces will need extra coverage, as these items are often excluded from content coverage.
Dwelling coverage offers protection to the structure of your home when it is destroyed by perils such as fire, hail, or vandalism. Examples of items that it will provide compensation for include your floors, ceilings, and walls. Build-in appliances are also covered, as well as fixtures such as bookcases and cabinets. If your detached garage also suffers damage, dwelling coverage will help you pay for its repair or replacement.
As the name suggests, additional living expenses coverage comes in handy when your home becomes uninhabitable, requiring you to seek shelter elsewhere. It will help pay for expenses such as hotel bills, travel costs, and restaurant meals until your home is repaired.
Liability protection protects you when faced with lawsuits regarding bodily injury and property damage to 3rd parties. When you find yourself with either of these claims, liability protection covers your legal fees and damages arising from your lawsuit. However, keep in mind that this policy caters to accidental harm rather than intentional acts of malice.
If you reside within East Moline, Huntley, IL, or Davenport, IA, and need home insurance coverage, consider reaching out to August Vincent Insurance Agency today.
"As always, thank you so much. You are the best agent I have ever worked with in the industry. I hope you stay as an agent forever!!"
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