When purchasing a home in Tucson, AZ it is important to obtain homeowners insurance to make sure you are protected in any event. There are different coverages that are offered, one being basic homeowners coverage. There are usually four basic types of coverages that are contained in the policy, which are dwelling and personal property, liability, medical payments, and additional living expenses.
First, dwelling and personal property overage can help pay for structural damage to one’s home, that was included in the plan. That can even include a detached garage, shed, or any other building on your property. This type of coverage can pay for the contents in the home including household furniture, clothing, and other personal belongings. Second, there is personal liability coverage, which applies to non-automobile accidents on and off your property if the damage is caused by the homeowner, family member, or pet. The coverage pays both the cost of defending you and paying for damages you must pay. This is unlike other coverages in a homeowner’s policy because the liability coverage does not have a deductible.
There is also medical payments coverage where payments are made if someone outside your household is injured at your home regardless of fault and pays for their medical expenses. There is an also additional living expense if there is a need to temporally move into a hotel or apartment due to a loss that is covered by your policy. Other additional coverage can include debris removal or trees, plants, and shrubs, credit card coverage, identity theft, and mold. These are just some of the different home coverages that are offered at Shaner Insurance Group, Inc. in Tucson, AZ.