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Home insurance provides financial protection for homeowners. If your home or personal property is subjected to damages caused by a covered peril, a homeowner’s policy may reimburse you up to your coverage limit. Home insurance provides invaluable coverage and is typically required by mortgage lenders, making it essential for homeowners to purchase a policy before moving into their new homes.

Standard home policies contain many of the same coverages and features. By understanding what your policy covers, you can better prepare for the future and take care of your most valuable assets. Here’s a closer look at what a standard home insurance policy does and does not cover.

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Homeowners Insurance Coverages

Most home policies offer the same six basic coverages, which include:

  • Dwelling
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments
  • Loss of...

Homeowners insurance protects your home and personal belongings against common hazards, ranging from theft to fire and everything in between. But if you own a high-value home with high-end appliances and valuables, a standard homeowners insurance policy won’t offer the higher coverage limits and other benefits you need to remain fully covered against potential damages.

High-value home insurance features several unique perks and benefits alongside higher coverage limits to provide more comprehensive protection for high-net-worth individuals. If you live in a home with a high replacement cost, it’s important to consider purchasing this coverage to ensure your home and assets are fully covered. To help you determine whether or not this coverage is for you, let’s take a closer look at what high-value home insurance is and what it covers.

If you’re ready to request a quote, reach out to FIB Insurance today. Our expert agents are ready to help you find the best policy for your needs.